M. Pattabiraman's Blog, page 61

Equity Mutual Fund Screener Mar 2024: Shortlist consistent performers

Last Updated on March 8, 2024 at 7:15 am 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,...

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Discover the Significance of Retirement Planning in Just Ten Slides!

These are a set of slides on retirement planning that I have used at investor workshops and corporate meets. The aim is to quickly convey the importance of retirement planning to young earners. 1. Imagine how your monthly income will evolve in the future The abrupt stoppage in income represents retirement. 2. Now imagine how...

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Can the middle-class build wealth across generations?

A 21-year-old M.Sc physics student recently told me his ambition is to gradually lift his family from a middle-class existence and build wealth over generations. We were discussing a career in physics, not money management or investing! When I shared this on social media, a few voices (as always) felt that building wealth across generations...

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Is it time to exit small cap mutual funds?

Many investors are worried about the “over-heated” small cap segment and wonder if they should exit — a discussion. At the time of writing, the last 1Y trailing return of small cap segments has ranged from 33% to 75%. Regular readers may know that freefincal has always opposed investing in small cap mutual funds. Due...

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Stocks with low volatility and momentum for Mar 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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LIC Pension Plan (Jeevan Akshay) Annuity Rates Applicable from Feb 2024

Last Updated on March 3, 2024 at 9:02 am LIC’s Jeevan Akshay – VII (UIN – 512N337V05) is an Immediate Annuity plan. You can purchase a pension (annuity) by paying a lump sum. The annuity rates applicable from Feb 2024 are listed in this article. According to LIC’s online purchase portal, the rates are the...

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How to manage your corpus after financial independence and early retirement

SEBI-registered flat fee-only advisor Swapnil Kendhe discusses a way to manage your corpus after financial independence and early retirement. This is a sequel to his recently published article, The pitfalls of conventional retirement planning calculations. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’...

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Sovereign Gold Bonds Tracker on Google Sheets

Last Updated on March 1, 2024 at 6:47 am After repeated requests from users of our mutual fund and stock tracker, the freefincal team is happy to present a Sovereign Gold Bonds Tracker on Google Sheets. It can be used to track up to 30 SGB issues. Features: The sheet can accommodate one additional purchase...

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Why we must not use probabilities or odds for stock market returns

You might have often seen statements like, “Our analysis shows that, over the long term, the stock market shows poor returns for only two out of every ten periods tests. This means that the probability of losing money is quite small”. Such statements are wrong. You cannot, well, must not associate probabilities with stock market...

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Am I holding too much equity? Should I decrease equity exposure?

A reader says, ” I have a question on my portfolio, which I constructed based on various social media’s “finance DIY” content. Recently, I learned that (from various YouTube channel interviews) in India, multiple famous people are investing less than 60% of their money into equity and the rest in Debt, real estate, Gold, etc. After...

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