M. Pattabiraman's Blog, page 68

Should I buy a house now or just before retirement?

A reader says, ” First of all, thank you for providing all the answers needed by me & all. A long time ago, I came across one of your articles about the rent vs buy topic wherein you mentioned that we need to save about half of the cost of the house and then get...

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What kind of portfolio should I choose for my son’s education?

A reader says, ” After watching all portfolio management videos. I purchased the robo-advisory tool. I have set goals. Now I am good to go. Goal: Son’s education. 13 years time period. As per the robo advisory tool, for the debt portion, I have two options. One is Gilt funds & 2nd one is PPF...

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2000-Year-Old Financial Advice that Still Rocks Today!

Last Updated on December 27, 2023 at 3:56 pm Recently, I attended a gathering where the discussion turned to personal finance. Someone inquired about the best place to begin. Predictably, responses such as “security analysis” and “intelligent investor” punctuated the conversation. Many also pointed to blogs that repeat phrases Buffett and Munger popularised, with “investor”...

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My Stock Portfolio Analysis: Dec 2023

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. I started direct equity investing only after achieving a comfortable level of...

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How 12 years of tracking investments has been a life-changer

I have tracked the amount invested in my goal portfolio for over 12 years. It has been a life and game changer for my family. Whether you track your spending or not, tracking your investment amount is crucial. Today, I can invest more for retirement than my target investment. That was not the case when...

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Active Mid Cap Fund or Nifty Next 50 Index Fund: Which should I choose?

A reader asks, “I read your posts and blogs a lot. I try and declutter my portfolio and follow the kiss principle. If an actively managed mid-cap fund has a lower expense ratio almost equal to an index fund, provides better downside protection, and beats the benchmark index, should we still consider switching to the...

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Handpicked List of Mutual Funds Jan-Mar 2024 (PlumbLine)

These are the freefincal handpicked list of mutual funds for Jan-Mar 2024. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has been published since September 2017 for beginners to accompany the freefincal robo advisor tool. Most important! Plumbline is a mix of my opinions +...

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Debt and hybrid mutual fund screener (Dec 2023) 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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Which mutual funds can I use as an alternative to the NPS?

A reader asks, “For those who don’t have a compulsory NPS deduction at the workplace, what would be a good option? a. aggressive hybrid fund. b. nifty 50 ETF+ conservative hybrid fund+/- gold ETF or c. nifty 50 etf + gilt fund +/- gold ETF?” Regular readers may know that we have always recommended against...

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Portfolio Audit 2023: The annual review of my goal-based investments

Last Updated on December 20, 2023 at 8:47 am I evaluate the performance of my retirement portfolio and my son’s future portfolio each year in a personal finance audit. This is the 11th edition. Published from 2013 onwards, these audits provide a sense of accountability and ensure I do not fall prey to fear of...

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