M. Pattabiraman's Blog, page 307

Do Not Shift Your EPF Corpus to NPS: It is a Trap!

In this post, I discuss why it is a terrible idea to shift your EPF corpus to the NPS (National Pension Scheme). In a circular dated 6th March 2017, the Pension Fund Regulatory and Development...

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The Information Diet: How Less Information Can Make us More Informed

Technological advances in the past 25 years have reduced information access time from days/hours to seconds. However, our ability to process this information has not changed much and if anything, has...

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New Delhi DIY Investor Workshop: April 23rd 2017

The third  New Delhi DIY investor workshop will be held on April 23rd 2017. Ashal Jauhari (Facebook Group: Asan Ideas For Wealth) and your truly (M. Pattabiraman(pattu), freefincal.com) will be the...

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When Mutual Fund Dividends Make Sense

It is unfortunate that mutual fund dividends are among the least understood aspect of mutual funds. They are often used when unnecessary and without understanding tax implications. In this post, I...

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Freefincal Q/A: CAGR vs Absolute Return – Can I convert one to another?

Each week I try and answer generic questions from readers. Here is this weeks edition. You can use the form below to ask your question. Kindly note that I cannot offer investment advice or product...

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Free E-book: A Beginner’s Guide To Investing in Debt Mutual Funds

Dear Reader, This is a pdf collection of 26 posts on debt mutual funds written over the past 4 years. I enjoyed learning and writing about every bit of this fascinating space in finance – tradable...

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Equity Mutual Fund Screener with March 2017 SIP, Lump sum returns (1-9Y) & capture ratios

Each month, I publish equity mutual fund lump sum and SIP returns; upside capture, downside capture and capture ratios over 1,2,3,4,5,6,7,8,9 year periods. This can be used as a screener to quickly...

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Equity Mutual Fund Outperformance Screener: March 2017

Use this screener datasheet to choose mutual funds that have consistently outperformed a category benchmark over every possible 3,5,7 year periods from April 3rd 2006 to Feb 28th 2017. Includes a...

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Why Time is Money and How Life Insurance Plans Exploit it!

Benjamin Franklin wrote in 1748 that Time is Money in a note titled "Advice to a Young Tradesman”. This can be used in multiple ways and in this post, I use it to explain an important idea known as...

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Mutual Fund Star Ratings are Flawed, but Investors are to blame for taking them at face value

Why blame Value Research For awarding Taurus Liquid Fund that is in trouble for continuing to buy a near-junk bond (Ballarpur Industries), five stars (four stars when commissions are removed)? That...

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