M. Pattabiraman's Blog, page 3

Equity Mutual Fund Screener Nov 2025: Shortlist consistent performers

The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for equity mutual funds that consistently perform. You can screen based on fund category & benchmark to identify mutual funds that offer higher returns than the benchmark while maintaining lower risk. Inside, you get discounted links to our robo advisory...

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Reasonable and unreasonable risks in investing and money management

These are some reasonable and unreasonable risks in investing and money management.  We all agree that some risk is necessary for our careers, life, and investing. But not all risks are the same. Some risks have a reasonable chance (not a probability) of success based on common sense and/or history if given enough time and...

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How can I make a retirement bucket strategy work?

A reader asks, “How can we be sure that post-retirement, our bucket strategy will help us to sustain the corpus in our retirement period with an assumed return of different asset classes and beat inflation?” While there are no guarantees, we can do enough to ensure we have more than a reasonable chance of success....

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National Pension Scheme Fund Screener Nov 2025: Shortlist consistent performers

This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also identify NPS schemes that offer a higher return than the benchmark while maintaining lower risk. This is similar in design to the freefincal Equity Mutual Fund Performance Screener. Inside, you get discounted links to our robo advisory tool...

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My Path from Early Investing Struggles to Financial Freedom and Wisdom

In this edition of the reader story, Rajkumar documents his path from early investing struggles to financial freedom and wisdom. About this series: I am grateful to readers for sharing intimate details about their financial lives, which benefits us all. Some of the previous editions are linked at the bottom of this article. You can also...

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How can I be productive after I retire in seven years?

In response to our article, Ten mistakes to avoid while planning for early retirement, a reader asks, ” Very helpful. I have a question for you regarding point 1. I want to be productive after retirement, which is 7 years from today. So, how do I go about doing that?”  This is point 1 from the...

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Rohit’s investment journey to Rs. two crores – why you are your biggest asset!

I am amazed to see a ton of videos advising youngsters to invest in their 20s; the sooner they start, the better it is for them. Compounding is the eighth wonder of the world, etc. Maybe all of that’s true. But I didn’t start investing in equities until I was 29. I am 34 today,...

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Is there a factor index that is consistently less risky than broad-based indices?

In this article, we discuss whether there is a factor index that has consistently lower risk than broad-based indices or market capitalisation weighted indices like Nifty 50, 100, 500, etc. A factor index is an intermediate between an active and a passive strategy. It is rule-based but also passive. The catch is, the rules tend...

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Review of Products, Automation, and No-Action: The Most Underrated Financial Advice

Remember buying a phone, bike, or car. How much time did you spend analysing the product—checking features, prices, taking feedback from friends, or reading online reviews? And how much time do you spend reviewing a financial product? You would probably say this is not an apple-to-apple comparison, or it’s an apple-to-orange comparison. No, I am...

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ETF tracking error screener Oct 2025

This ETF screener is based on tracking errors and differences (ETF return minus index return). It will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus the index’s monthly return differences. The lower the tracking error, the more efficient the ETF is in...

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