M. Pattabiraman's Blog, page 50
June 22, 2024
16 years of mutual fund investing: My Journey and lessons learned
Last Updated on June 23, 2024 at 10:25 am This is an update on my mutual fund investing journey, which began on 19th June 2008. In the last three decades, I have gone from being a spend-thrift to being in debt to financial independence. New community members can refer to these articles for an account....
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June 21, 2024
The Road to Redemption: How I Overcame My Investment Mistakes
In this edition of the reader story, Sanjoy shares his investment mistakes and lessons learned. In a previous article, he discussed the Financial Lessons Learned During and After a PhD 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...
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June 20, 2024
Debt and hybrid mutual fund screener (June 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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June 19, 2024
50% NPS pension for central govt staff? Is it enough for retirement?
Several news portals have reported that the government is considering a proposal to offer 40% to 50% of the last drawn salary as a guaranteed pension for central government NPS subscribers. It may never come to pass (because if the subscribers’ NPS corpus is not big enough to meet this guaranteed pension, the shortfall would...
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June 18, 2024
How to select an index fund: a step-by-step guide
Here is a step-by-step guide to selecting an index. 1. Where and how you invest does not matter if you do not have a proper investment plan. The right return expectation, the correct initial asset allocation, an excellent risk-management strategy, systematic investing, systematic increase in investing and periodic reviews. The freefincal robo advisor tool can...
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June 17, 2024
Case Study: Achieving Financial Freedom for Early Retirement
Aarthi is 35 and wishes to retire by 50. In this case study, we shall find out how she can plan for financial freedom in retirement. We shall find out how Aarthi can derive an inflation-protected income and be financially free after retirement. What is inflation-protected income? This retirement income increases each year as per...
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June 16, 2024
Index fund tracking error screener June 2024
This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help to understand how tracking a midcap index or the Nifty 100, 500 differs from tracking the Sensex or...
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June 15, 2024
Living the Good Life Without Sacrificing Your Financial Future
When we discussed the lifestyle of Santhosh, a middle-class crorepati, we received questions from young earners that can be paraphrased as “I cannot be like Santhosh. I like to live a good life with a car and expensive smartphones. However, I feel guilty that continuing my lifestyle will impact my investments and the wealth I...
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June 14, 2024
Have capital gains and dividends? Correct this autofill while filing ITR!
If you have capital gains and dividends to report to the taxman, correct this auto-fill while filing ITR! About the author: Manmohan Sethumadhavan is a freelancer, investor, and personal finance enthusiast “in search of the absolute truth.” You can follow Manu on Twitter @ManuTsr. Also, read his article: How to calculate LTCG with Grandfathering for equity shares...
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June 13, 2024
ETF tracking error screener June 2024
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. 70-plus ETFs are now covered. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the...
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