M. Pattabiraman's Blog, page 70

The role of a living trust in retirement planning

What if I cannot manage my retirement corpus in retirement due to ill health or disability? Who can help my spouse with the retirement corpus after my demise? These are tough but essential questions to consider. In a previous article, we discussed some simple situations where a spouse, trusted relative or SEBI-registered fee-only advisor can...

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DSP Nifty Smallcap250 Quality 50 Index Fund Review

DSP Nifty Smallcap250 Quality 50 Index Fund is an open-ended fund tracking the small quality index in its name. The fund is currently in its NFO period. This article reviews the index’s performance and discusses if investing in this new passive fund makes sense. According to the NSE, “the Nifty Smallcap250 Quality 50 Index tracks...

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Why a lifetime of renting makes sense to us

Two couples share contrasting reasons why they decided against property purchase and opted for lifetime renting. Before we begin, we would like to point out that this is their choice. They clarified that they are not preaching and that their lifestyle/choices will not work for everyone. So we anticipate your disagreement, but we request that...

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Where should I invest for short-term goals?

Last Updated on December 6, 2023 at 8:00 am A reader requested a discussion on instruments suitable for short-term goals. So let us do just that. The definition of what a short-term goal is is arbitrary. The unsubstantiated thumb rule is to avoid all equity for any “need” five years away or less.  “Wants” are...

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Investing mistakes that cost time and money

Here are some investing mistakes that cost time which is a more significant loss than money. 1 Trying to make up for lost time in a hurry: We often don’t seriously consider personal finance until we reach our early to mid-thirties. Once we begin, it’s easy to feel pressured to make up for lost time and...

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Stocks with low volatility and momentum for Dec 2023

A list of stocks with low volatility and momentum sourced from BSE 500 and BSE 100 each month.

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How can the salaried class build wealth across generations

This article discusses how the salaried can build wealth across generations. I am passionate about this topic because I have witnessed wealth diminish within my family from generation to generation. I am determined to do everything I can to prevent this from happening in the future. My great-grandfather lived an upper-middle-class lifestyle during the 1940s...

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How should I invest if my only goal is to create wealth?

A reader writes,” I am 28 years of age and single and plan to remain so. I have no financial goals and only wish to create wealth. I have an aggressive risk appetite. How should I invest? Can you write an article about this?” Is it possible for a person to have no financial goals?...

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Why our net worth is the best insurance there is

The titular line – Why our net worth is the best insurance there is – hit me as I made notes for the health insurance episodes of the Let’s Get Rich with Pattu podcast. Yes, we all know the basics – get adequate life insurance, health insurance, and emergency insurance (fund) before you start investing....

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Should I invest in stocks along with equity mutual funds?

A reader says, “I have invested in equity mutual funds for the last two years. Should I also invest in stocks?” This is a question that only the investor can answer, but we can provide some guidelines. Why do you want to invest in stocks? Is it because you heard multibagger stories on social media...

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