M. Pattabiraman's Blog, page 33

At age 21, how much should I invest in equity mutual funds?

A reader says, “I am 21 and about to start my first job. How do I figure out how much to invest in equity mutual funds and how much to invest in fixed income? My friends tell me to invest 80% to 100% in equity. Is this correct? There is no right or wrong answer...

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How should I invest Rs. 1 Crore for retirement 15 years away

Recently, a reader asked, “Can the freefincal robo advisor tool handle my situation? I am 40 years old and have Rs. 1 Crore cash in the bank. I have no other investments (don’t ask why; it’s a long story!). I want to retire by age 55. How should I invest this Rs. 1 Crore for...

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How I built a net worth 35 times my annual expenses

In Jan 2023, Pretorius shared his investment journey for our reader story section: How I learnt to keep it simple and build a net worth 19 times my annual expenses. He followed it up with an update in Jan 2024: My Investment Journey to a net worth 29 times my annual expenses. This is an update! About this series: I am...

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ETF tracking error screener Jan 2025

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

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Can I hold 75% equity until age 35 and then decrease it?

In this article, we discuss two different questions on asset allocation. Reader (1) says, “I am 25 years old and in a well-paying IT job. After all my expenses, including supporting my family, I can comfortably invest around 100% of my monthly expenses. I am investing it purely in equity to catch up with my...

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A Guide to Succeed as a Freelancer in India

For decades, a “stable job” has been a cornerstone of financial planning in India. Parents encouraged their children to seek government jobs or corporate careers with gratuity, provident funds, and bonuses.  But as times have changed, so have aspirations and economic realities. Today, freelancing—working independently without being tied to a single employer—is no longer just...

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Equity Mutual Fund Screener Jan 2025: Shortlist consistent performers

The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark and spot mutual funds with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool...

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How We Assisted a Student with His Medical College Tuition

In this article, Sunil shares how he and his friends and family came together to assist a student with this medical college tuition. Sunil believes, “While we always discuss our own personal finance improvement, many of us also want to help society by supporting education or medical support. The support can help a needy family...

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What should be the budget for my first car?

We recently did a Let’s Get Rich With Pattu podcast episode on buying cars, and one of the questions was, “What should be the budget for my first car?” A discussion. My answer was: Whether you buy with cash or via EMI, ensure the car cost does not exceed your annual income.  Admittedly, I am...

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How do I start my investment journey in 2025?

Many readers write, “We like your content, but you have written so much that it is hard for us to determine which article to read first. Can you provide a quick-start guide for us to start our investment journey the right way?” The following is a list of steps for young earners. Older readers can...

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