M. Pattabiraman's Blog, page 74
October 30, 2023
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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October 29, 2023
NPS Systematic Lump Sum Withdrawal (SLW) Facility Explained
In a circular dated 27 Oct 2023, the Pension Fund Regulatory and Development Authority (PFRDA) announced the introduction of a Systematic Lump Sum Withdrawal facility in NPS. Here are the details. What are the existing NPS withdrawal rules, and where does this proposal fit? Existing rules: After the age of 60, an NPS subscriber has...
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October 28, 2023
List of investments suitable for creating an emergency fund
Over the years, many readers have asked us, “can I use X or Y investment for an emergency fund?”. Therefore it may be useful to list all such eligible investments and discuss which is suitable for whom. Perhaps if you have just started your career and your net worth is low, the following statement may...
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October 27, 2023
What should be my safe withdrawal rate for retirement?
A reader asks, “How can I calculate my safe withdrawal rate when I retire 25 years from now? I am 30”. What does the term “safe withdrawal rate” mean? The safe withdrawal rate, or SWR, refers to the amount of money that can be withdrawn annually from a retirement fund in the first year of...
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October 26, 2023
Is there any proof small cap mutual funds would outperform in the long term?
Every time stocks in the small cap universe move up prominently, interest in small cap mutual funds and confidence in this sector zoom up even more. Notions like “A small cap mutual fund will beat all other categories (and indices) over the long term” start making the rounds among gullible young earners who naively believe...
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October 25, 2023
Stock Portfolio Analysis: Oct 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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October 24, 2023
Debt and hybrid mutual fund screener (Oct 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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October 23, 2023
My investment journey: mistakes, 10 years of MF investing and recovery
In this edition of the reader story, Alok shares his money mistakes and recovery while completing ten years of mutual fund investing. 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 this article....
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October 22, 2023
Parag Parikh Arbitrage Fund – who should invest?
Parag Parikh Arbitrage Fund aims to “generate capital appreciation and income by predominantly investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and by investing the balance in debt and money market instruments”. The NFO period of the fund is from Oct 23rd to Oct 27th 2023, and the scheme...
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October 21, 2023
Zerodha Nifty LargeMidcap 250 Index Fund Review
Zerodha is launching two new funds: Zerodha Nifty LargeMidcap 250 Index Fund and an ELSS variant, Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund. There are two aspects to consider: (1) The index and (2) the ELSS variant. The Nifty LargeMidcap 250 Index is 50% of Nifty 100 + 50% of Nifty Midcap 150....
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