M. Pattabiraman's Blog, page 294

What is Robo-advice? What are the pros and cons?

In this post, I discuss the basics of robo advice, its pros and cons for the benefit of the interested layman as a lead up to the launch of the freefincal robo advisory template next week. What is...

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Freefincal Q & A plus Ajit Dayal’s Quantum Leap

So the big news is that Ajit Dayal has resigned, for unknown reasons, as the Director of Quantum AMC and from the Board Investment Committee last week (22nd Aug).  Before we get to the questions by...

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Three Reasons to avoid Bitcoin or any other cryptocurrency

In this post, I discuss why I will not (never?) invest in Bitcoin or any of the 900+ cryptocurrencies in "circulation". This is a refinement of an earlier post: Bitcoin: Should we use it as a...

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Managing multiple login passwords “securely”

This year marks twenty years of computer and internet usage for me. In a two-part series, I discuss my experience and learnings on managing multiple passwords (part 1) and computer security (part...

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Illustration: Financial Plan Creation for Rajeev Goswami

Many readers have asked me to explain how a financial plan is created with examples. I requested SEBI registered fee-only financial planner (meaning, no commissions and works only for you),...

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Freefincal Q & A: Investing a lump sum; Annuities; Asset allocation

Each week, I try and answer generic questions on personal finance. You can use the form below to ask your question. Here is this week's edition. Siva: Hi Sir, I have started a LIC policy (Jeevan...

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Caring for elderly parents: An emotional and financial crisis

With each passing day, our parents are growing old and their ability to be independent is gradually diminished. Elder care or senior care is a young, but rapidly evolving business, however, the...

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Large Cap Mutual Funds: What is their source of outperformance?

In this post, I discuss why it is important for investors to not take mutual fund market cap classifications seriously. In particular, your "large cap fund" is probably either a multi-cap fund all...

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Freefincal Q & A: Index Investing; Rebalancing; Retirement Buckets

Each week I answer generic questions on personal finance. Here is this weeks edition. You can use the form below to ask your question. Naimesh: Hi, There is a confusion about maximum limit of 6 L in...

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Track your Mutual Fund SIP Returns Month by Month!

Use this tool to calculate the annualized return (XIRR) of your mutual fund SIPs month by month since the date you started it and compare its performance with its benchmark. In this update to...

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