M. Pattabiraman's Blog, page 72

How to plan a lump sum investment into equity mutual funds

Often many investors write to us saying they have a lump sum to invest in equity mutual funds and want to know how to plan and go about this —a discussion. Ask yourself the following questions 1: Have you done a goal planning exercise to determine the right equity: fixed income mix for your goals?...

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How the fear of repeating mistakes drove me to financial independence

A reader asked in response to the article – Why do you want more money? Don’t you have enough? Learn to say, “I have enough”!  – ‘Can you share some moments of your life when you had a low net worth? What did you sacrifice to achieve what you are now today?” I have mentioned...

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Index fund tracking error screener Nov 2023

This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help a understand how tracking a midcap index or the Nifty 100, 500 differs from tracking the Sensex or...

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Loan against MF Units – is it necessary?

There has been a lot of hype around getting loans using equity or debt mutual fund units as collateral. Many readers have asked if this is a good idea. In this article, we discuss whether loans against MF units are necessary. The basic idea is quite simple. You pledge your MF units (to the extent...

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A simple plotting tool to compare MFs, Indices, Stocks, Gold etc.

Last Updated on November 15, 2023 at 8:49 am We are happy to announce the launch of a simple plotting tool to compare any two-time series – mutual funds, indices, stocks, gold, oil – any data set with dates and values. The tool is now part of our freefincal investor circle. Rolling return (lump sum...

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Creating a Retirement Portfolio: How to Determine the Right Equity Allocation

Asking us, “How much equity should I hold after retirement?” is a common concern for many nearing retirement. However, it is challenging to provide a definitive answer as it varies from person to person. Nevertheless, it is crucial to address this question well before retirement, considering the potential risks and planning accordingly, rather than waiting...

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ETF tracking error screener Nov 2023

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. Update: 76 ETFs are now covered. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error,...

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How can I convince my friend to start investing in equity?

A reader wants to know a way to convince his friend to start investing in equity —a discussion. To not invest in equity is a choice. Whether that is an informed choice or not is another matter. Friend or relative, I don’t think we should try and convince anyone too set in their ways to...

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Can I create a custom retirement bucket strategy using the freefincal robo advisory tool?

A reader says, “You have repeatedly demonstrated how to deploy a retirement corpus into different buckets using the freefincal robo advisory tool. In all these examples, you assume the retiree will have or should have enough money in a safe income bucket to handle inflation-indexed expenses for the first 15 years of retirement. I find...

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What should I do with my mutual funds if the market crashes?

A reader asks, “What should I do with my mutual funds if the market crashes? I started my SIPs three years ago. Today, I don’t know if the market will zoom up or come crashing down. Should I redeem and start again or hold the investments even though I may lose all my gains?” When...

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