M. Pattabiraman's Blog, page 41

Unified Pension Scheme vs National Pension Scheme Calculator

Use this free calculator to find out if you can stay invested in the National Pension Scheme or must consider a switch to the Unified Pension Scheme (for Central government subscribers only at the time of writing). We have already covered the salient features of the Unified Pension Scheme and other considerations in our coverage:...

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Unified Pension Scheme vs National Pension Scheme: How to compare

Last Updated on August 27, 2024 at 9:28 am Several readers have asked us for a calculator to help them decide if they should switch from the National Pension Scheme (NPS) to the newly announced Unified Pension Scheme (UPS). Such a calculator is now available for free download, but several caveats must be considered. This...

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Should I switch from National Pension Scheme to the Unified Pension Scheme?

Last Updated on August 26, 2024 at 4:29 pm With the introduction of the Unified Pension Scheme from 1st April 2025, many NPS government subscribers would ask,  Should I switch from National Pension Scheme to the Unified Pension Scheme? Here is a free calculator to find out! At the time of writing, the full terms...

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Is the Unified Pension Scheme sustainable?

Last Updated on August 26, 2024 at 4:30 pm The government will offer the Unified Pension Scheme (UPS) as an alternative to the National Pension Scheme (NPS) from 1st April 2025 to all central government employees. State government employees are also eligible if the states join. Update: Use our free calculator linked below to compare...

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8 Types of People Who Will Never Win at Money

Indians are known to work hard to earn their money. They are equally famous for knowing exactly how to spend it! There are no lies in that statement. We are known to be efficiently frugal. Some of that we have learned through trial and error, but most of our financial knowledge has been passed down...

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Balancing Medicine and Money: How Dr Aakash Navigates Financial Investments

In this edition of the reader story, Dr Aakash shares his investment journey while studying medicine. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of the previous editions are linked at the bottom of this article. You can also access the full reader story...

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My 15 Crore Portfolio: Answering reader questions

We published Analyzing the Growth of my 15 Crores Portfolio a few days back. This was a sequel to  My Journey to a Ten Crore Portfolio. Naturally, there were many questions from readers. Arun looked at them patiently (and silently) and answered the key ones in this article. If you have not read the first...

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Can I switch from Nifty, Nifty Next 50 to Nifty 100 low volatility 30 index fund?

A reader says, “I am currently 37, married (no kids yet), based out of Bangalore and, as usual, a very late starter to equity investing. My debt portion (PPF, EPF, FDs) is much higher than equity, and all I am trying is to catch up and make debt to equity 50:50 and regularly rebalance once...

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Debt and hybrid mutual fund screener (Aug 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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We received fake Aadhaar cards and fear they may be misused

In response to our article – My ordeal with Aadhaar fingerprint fraud & how I got my money back – we received the following email from a reader who wants to share this with the community for awareness and the difficulty involved in investigating this Aadhaar-based fraud. Are you a victim of similar fraud? What did you...

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