M. Pattabiraman's Blog, page 40

Stocks with low volatility and momentum for Sep 2024

We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files available. (1) Stocks with low volatility and momentum from the BSE 100 large cap universe are available as a separate file (2) Stocks with low...

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HDFC Nifty500 Multicap 50:25:25 Index Fund Review

HDFC Nifty500 Multicap 50:25:25 Index Fund is an open-ended scheme replicating/tracking Nifty500 Multicap 50:25:25 Index. We will discuss whether it makes sense to invest in this new fund. To aid active multi-cap funds in benchmarking themselves after SEBI changed their asset-allocation pattern, NSE launched the Nifty 500 Multicap 50:25:25 Index on Dec 2nd 2020. The...

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Why I prefer the National Pension Scheme to the Unified Pension Scheme

Since the Unified Pension Scheme (UPS) announcement, several readers have asked me if I would opt for UPS. In this article, I explain why I prefer the NPS (National Pension Scheme) to the UPS, I have discussed a simple thumb rule to decide between the Unified Pension Scheme and the National Pension Scheme and also...

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What is your idea of a comfortable retirement?

A reader asked, “What is your idea of a comfortable retirement?” A discussion. The answer is subjective and subject to significant change especially if we are far from retirement. Perhaps only those investing for at least a decade will likely ask this question. ‘Comfort’ implies something well above a basic requirement. So let us first...

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What is the effective interest rate of the Unified Pension Scheme?

A reader asked, “What is the effective interest rate of the Unified Pension Scheme?” A discussion. As a pension scheme, it can be compared with life insurance policy annuity schemes that offer a pension in exchange for a lump sum. These schemes have an interest rate, also known as an annuity rate. See LIC Pension...

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My Stock Portfolio Analysis: Aug 2024

This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. Update: We recently added a new tool to the freefincal investor circle...

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Using Withdrawal Rates to compare Unified Pension Scheme and National Pension Scheme

We recently published a calculator to compare the Unified Pension Scheme and the National Pension Scheme. We have updated this tool with an alternative comparison using withdrawal rates. This is based on the thumb rule to decide between the Unified Pension Scheme and the National Pension Scheme. Our first method compares only the products. It...

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How much do I need to retire in 2024?

Last Updated on August 29, 2024 at 8:27 am A reader says, “What is the corpus needed for a 50-year-old to retire immediately if my monthly expenses are Rs. 50,000?” Let us compute this using the freefincal robo advisor tool. This provides an accurate estimate compared to approximate calculations using spreadsheet formulae. The robo tool...

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A thumb rule to decide between Unified Pension Scheme and National Pension Scheme

We discuss a simple, holistic guideline or thumb rule to decide between the Unified Pension Scheme and the National Pension Scheme. We have published a calculator to compare NPS and UPS. However, this involves too many unknowns and projections if retirement is far away. Also, the calculator only compares the two products, NPS and UPS....

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Can I use NPS Tier II for tax-free rebalancing?

Since Budget 2024 announced a higher LTCG tax on equity mutual funds and removed indexation benefits for old debt fund units, many readers have asked us if they could use the tier II account of NPS for tax-free rebalancing. Although this response is expected and unsurprising, it is still frustrating and disappointing. Investors are ready...

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