M. Pattabiraman's Blog, page 34

Six facts to know about debt mutual funds before investing!

There seems to be a sudden interest in debt mutual funds. Possibly because everyone is expecting an interest rate cut? Possibly because of propaganda? Regardless of the origin, here are some facts you need to know before buying a debt mutual fund. 1. Debt mutual funds are not an alternative to fixed deposits! A fixed...

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Updated list of calculators in the freefincal investor circle

Last Updated on October 28, 2024 at 1:40 pm This is an updated list of calculators available for members of the freefincal investor circle. This is an exclusive space for investors, advisors, fintech employees and students to access financial planning and insurance tools, mutual fund and stock analysis tools, coding strategies and Excel macros for...

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What you need to know about MF Systematic Withdrawal Plans (SWPs)

In this article, we cover the essentials of a mutual fund systematic withdrawal plan (SWP) in the format of an FAQ. 1: What is a Systematic Withdrawal Plan? The SWP is the opposite of a SIP. In a SIP, you invest a fixed amount each month (the most frequently used interval) and build a lump...

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What are the investment options available for regular income?

A decade or so ago, when someone wanted regular income, you assumed they were senior citizens or had retired early. That is no longer the case. With many shifting from a salaried existence to freelancing or enterprise, the need for regular income from accumulated wealth as a cushion has become important. Let us discuss the...

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From Market Fears and Failures to Building a ₹1.6 Crore Portfolio: My Financial Journey

This year, so many have become first-time crorepatis or well-established crorepatis and have come forward to share their journey on freefincal in the reader story section. This is another such account. Also see: Crossing the Million Mark: Our Journey to the First Crore How I doubled my retirement corpus and became a Crorepati Analyzing the...

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Update for Robo Advisor Tool: Customize your financial plan with asset allocation schedules

We are happy to announce major updates to the freefincal robo advisor tool. Users can now use custom asset allocation schedules while planning for retirement and other financial goals. The other financial goal sheet has been modified to include a break-up of current investments. The robo tool is a one-time purchase (details below), and all...

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For 12.5% tax on property sales, should we use purchase price or value on 1st April 2001?

Last Updated on October 24, 2024 at 9:50 am In response to our article, Real Estate Taxation Example After Finance Bill 2024 Amendment, a reader asks, “Does the Financial Bill clearly mention that for capital gains taxation at the new 12.5% rate, the cost of acquisition for the property will be the value of the...

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Are FDs better than debt mutual funds when interest rates increase?

A reader says, “When interest rates go high, the value of debt mutual fund investment decreases (although reason and logic are well understood). There is nothing one can do about it. However, if money is in a bank fixed deposit (instead of a mutual debt fund), one can always rebook the FD at a higher...

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My PPF account is maturing; should I extend it or open a new one?

Many readers often ask us variations of, “My PPF account is maturing; should I extend it or open a new one?” We discuss how to handle PPF accounts that are about to mature. When and how to extend them and when not to. A PPF matures after 15 financial years from the FY of opening....

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Debt and hybrid mutual fund screener (Oct 2024) for selection, tracking, learning

This is a debt mutual fund screener for portfolio selection, tracking, and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking PSU funds, etc. The credit quality of the bonds in the portfolio and the bond maturity profile can be tracked....

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