M. Pattabiraman's Blog, page 54

How should I invest my Rs. 5 Crores retirement nest egg?

A reader says, “I am investing next month with a nest egg of Rs. 5 Crores. Please guide me on how to invest this for a peaceful retirement. I am 55 years old. My wife is 56. Our annual expenses are Rs. 8 lakhs (including Rs. 20 lakh health insurance cover)”. We shall punch this...

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ETF tracking error screener May 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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Which will fetch more returns over 15 years, a SIP or a lump sum investment?

A reader asks, “Which will fetch more returns over 15 years, an SIP or a lump sum investment?” Comparing the returns of a SIP with a lump sum investment has little practical use. After all, none of us will invest just once in the market or always systematically. Even if we did make the comparison,...

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Investment & Financial journey of a 23 year old

I am a 23-year-old girl living in Mumbai and the sole breadwinner of my family of 4. I work as a Graphic Designer at a publishing company with an in-hand income of ₹27,000 a month. I am sharing with you how I started my investment journey, and I hope to learn more from Freefincal’s articles....

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What are some tax-efficient alternatives for debt mutual funds?

A reader says, “Given the changes in debt fund indexation benefits, I come across market veterans recommending equity savings and multi-asset funds as alternatives. I have the SBI, Kotak and Parag Parikh conservative hybrid funds in three different portfolios in my family. Would you continue to recommend these conservative hybrid funds for a long term...

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NPS Portfolio Tracker on Google Sheets

After repeated requests from users of our mutual fund and stock tracker, the freefincal team is happy to present an NPS Portfolio Tracker on Google Sheets. Readers may remember that we recently added a Sovereign Gold Bonds Tracker on Google Sheets to the tracker. Features: Users can choose from 123 NPS funds offered by various pension...

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Why Personal Finance is Personal: Customized Solutions for Financial Success

I’ve recently started earning, and while my salary isn’t substantial, I’m eager to dive into investing. However, I’m uncertain whether the monthly investment amount I can invest will be sufficient to reach my financial goals. This dilemma isn’t unique to me, so I’ve decided to explore this topic further by writing an article. The solutions...

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Is it Possible to Gauge Post-Retirement Equity Exposure without a Calculator?

A reader wants to know, “Can I find out how much I need to invest for retirement without a calculator? Is there any thumb rule for this? Similarly, can I determine how much equity exposure I can have after retirement without a calculator?” We discussed the first part of the question earlier: Estimate Your Retirement...

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Equity Mutual Fund Screener May 2024: 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 a couple reached their desired asset allocation after starting late

In April 2022, we met Arka and Rupali, who are trying to balance their aspirations, like travelling and exploring new opportunities, with their quest for financial independence. They followed it up with a sequel in May 2023. This is part 3. About this series: I am grateful to readers for sharing intimate details about their financial lives...

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