M. Pattabiraman's Blog, page 71

Never Too Late to start: How I became financially savvy at 40

We recently asked Facebook Group Asan Ideas for Wealth members to share their investment journey for our reader story section. Many members were kind enough to send their stories  – some already published and some in the pipeline. We received an interesting comment in response and requested the author – Shyamli, to send us an...

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How to Defeat Analysis Paralysis in Investment Decisions

We discuss how investors can overcome analysis paralysis and confidently make investment decisions. Analysis paralysis is a frequently encountered issue in managing personal finances, impacting individuals in distinct ways. As an illustration, I can swiftly select a mutual fund and invest a substantial amount within 10 minutes. However, when choosing a health insurance policy, I...

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How to handle retirement assets in old age?

A reader says,  “I am quite confident and optimistic about reaching my target retirement corpus. My biggest fear is managing retirement assets in old age (esp. post 70-75 years). At some point, even we’d need someone’s help to change our adult diaper – how do we keep our corpus last another decade or two? Do...

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What is the true cost of buying a house?

For most of us, buying a house – defined here as a primary residence meant for immediate self-occupation – is an emotional decision. There is nothing wrong with that. However, there is no free lunch. To get something, we have to lose something. What is the true cost of buying a house? How many of...

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Saving, Investing, and Running Marathons: My 25-year Journey to Financial Independence

In this edition of the reader story  we meet a geophysicist who shares his 25-year journey to financial independence that started with recurring deposits. 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 at the bottom of...

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My Stock Portfolio Analysis: Nov 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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Using emotional logic to stay invested in equity mutual funds

A global recession is on our doorstep at the time of writing. There are doomsday predictions everywhere. Equity mutual fund investors are worried about the lack of returns over the last several months. We discuss using “emotional logic” to fight fear and stay invested in equity mutual funds. Emotional logic It is only an idea,...

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I combined investment and insurance and paid the price

Last Updated on November 22, 2023 at 11:33 am In this edition of the reader story, we have an account of a reader making the classic mistake of combining investment and insurance, the price he had to pay. The reader wishes anonymity. About this series: I am grateful to readers for sharing intimate details about their...

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Debt and hybrid mutual fund screener (Nov 2023) for selection, tracking, learning

This is a debt mutual fund screener for fund selection, fund portfolio 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 and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile...

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Can I invest in Balanced Hybrid Funds?

Last Updated on November 20, 2023 at 7:56 am A balanced hybrid fund is an open-ended fund that invests in equity (40-60%) and debt (40-60%) instruments. No Arbitrage would be permitted in this scheme. A reader wants to know if we can invest in balanced hybrid funds and, if yes, when. If you are wondering...

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