M. Pattabiraman's Blog, page 78

At 48 why are you holding over 60% equity for retirement?

A reader recently asked  — in response to the article, Why are you recommending index funds but not investing in them yourself? — “What is the equity exposure of your retirement portfolio?”. I said, “It is currently about 62%.” He said, “is that not too much equity at your age (48, well, almost 49)?” There...

The post At 48 why are you holding over 60% equity for retirement? appeared first on freefincal.

Debt and hybrid mutual fund screener (Sep 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...

The post Debt and hybrid mutual fund screener (Sep 2023) for selection, tracking, learning appeared first on freefincal.

What should I do with my investments if I wish to move to the U.S.?

A reader says,  “I have a question about modern-day challenges associated with mid-age immigration.  For Example – An individual at around 37/38 years of age has been working in India for close to 15 years and has a good amount of money already earned with a decent portfolio but is looking for an opportunity in...

The post What should I do with my investments if I wish to move to the U.S.? appeared first on freefincal.

15 years of mutual fund investing: My Journey and lessons learned

Last Updated on September 19, 2023 at 3:36 pm This is an update on my mutual fund investing journey, which began on 19th June 2008. In the last three decades, I have gone from being a spend-thrift to being in debt to financial independence. New community members can refer to these articles for an account....

The post 15 years of mutual fund investing: My Journey and lessons learned appeared first on freefincal.

Index fund tracking error screener Sep 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...

The post Index fund tracking error screener Sep 2023 appeared first on freefincal.

How can I increase equity exposure from 10% to 60%?

A reader says, “Please make a video/article on how an investor should reach an Equity: Debt asset allocation of 60:40 if most of his/her investments are in debt already (almost 90% in debt), especially for investors between 35 to 40 age group”. “I understand that from your rebalancing articles, you mentioned that in such scenarios,...

The post How can I increase equity exposure from 10% to 60%? appeared first on freefincal.

My 13-year-old begins his investing journey with an index fund

Last Updated on September 16, 2023 at 7:58 am My son recently won Rs. 2500 in an olympiad contest. I asked him what he wanted to do, and he replied without hesitation, “Let’s invest it!” Many of you might think that the apple has not fallen far from the tree, but sadly that is not...

The post My 13-year-old begins his investing journey with an index fund appeared first on freefincal.

A safer alternative to the 4% withdrawal rule for retirement planning

If you are interested in achieving financial independence in retirement, especially if you hope to retire early, you’ve likely encountered the concept of the safe withdrawal rate, with the 4% rule being particularly well-known. However, it’s unfortunate that this rule is often misunderstood and misapplied, so it may not be a useful tool for retirement...

The post A safer alternative to the 4% withdrawal rule for retirement planning appeared first on freefincal.

I don’t have enough to invest for my goals; What should I do?

A reader says, “I created a financial plan using your robo-advisory tool. It was quite useful to understand where I stand, but I am now scared because I do not have enough to invest for my long-term goals. What should I do?” This is a fairly common situation; most of us start our investment journey...

The post I don’t have enough to invest for my goals; What should I do? appeared first on freefincal.

Is it Better to Purchase a Home Now or Wait Until Retirement?

Last Updated on September 13, 2023 at 7:59 am A reader says, “I am 32, and my wife is 29. We are employed in the same PSU and can take home loans with a combined loan limit of up to INR 1 Cr at a special staff interest rate. We are also eligible to avail...

The post Is it Better to Purchase a Home Now or Wait Until Retirement? appeared first on freefincal.