M. Pattabiraman's Blog, page 73

Can I retire if my annual expenses are 6% of my corpus?

A reader says, “I have a generic question about retirement planning. Can you retire if your annual expenses equal 6% of your corpus?  Say my monthly expenses are 1 lac. My corpus is two crores. I do SWP for 1 lac monthly. If the returns exceed 6% pa, it will also cover inflation. Is there...

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How can we be sure that post retirement our bucket strategy will work!

Regular readers may be aware that we occasionally publish articles on rolling SIP returns and point out there is no point in expecting a certain return from an equity or debt mutual fund. Instead, we should focus on our target corpus and manage our portfolio accordingly. Many readers get perturbed by this reality and ask,...

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What are the “must have” mutual fund categories in a portfolio?

A viewer on our YouTube channel wants to know,  What are the “must have” mutual fund categories in a portfolio? But do you even need mutual funds in a portfolio? The answer is no. Mutual funds are a good choice, but they are only a choice. There are other ways to invest, even if they...

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Equity Mutual Fund Screener Nov 2023: Shortlist consistent performers

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, you get discounted links to our robo advisory tool...

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Can I Achieve Financial Independence and Retire Early by 45?

A reader asks, “I’m looking to retire at 45 and currently, at 28 years old, my monthly expenses amount to around Rs. 40,000. Since I have just begun working, my net worth is currently negligible. I would like to know the approximate investment amount required to achieve my goal. It’s worth mentioning that I don’t...

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How do I invest an inheritance and pass it on to my daughter?

A reader sent us the following question.  “I’m an aspiring DIY investor and frequently read your posts on freefincal. I have also attended the goal-based learning tutorials on freefincal and found them very useful”. “Most of the analysis and approach I have read is on systematic investment planning. My question is, “How to plan, monitor...

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My MF portfolio is worth six crores in spite of multiple mistakes

In this edition of the reader story, a reader who prefers anonymity explains why, despite making most mistakes in the book, his mutual fund portfolio is worth about six crores today. 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...

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Why Nifty Midcap150 Quality 50 index performance is a warning for factor investing fans

Last Updated on November 2, 2023 at 8:40 am A few years ago, when the NSE introduced factor indices, aka smart-beta investing, I was among the first to get excited and wrote a slew of articles such as these: (1) Are Nifty Smart Beta (strategic) Indices better than the Nifty Next 50? (2) Picking Stocks...

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Stocks with low volatility and momentum for Nov 2023

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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Low Volatility Investing Decoded

Low volatility investing is a factor-based investment strategy. It involves picking a basket of stocks that exhibit the least standard deviation in daily returns over the preceding 12 months. About the author: Akshay holds an MBA in Finance from Great Eastern Management School, Bangalore. His website is akshaynayakria.com. His articles on personal finance and investing can be...

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