M. Pattabiraman's Blog, page 8

Stocks with low volatility and momentum for July 2025

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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What to do if your health insurance claim is rejected?

Here is a list of steps to consider if your health insurance claim is rejected. 1. Do not let anger and emotions cloud your judgment.  Take some time to read and re-read the claim repudiation letter. Find out which clause or condition of the policy it allegedly violates. It is maybe possible that the insurer...

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Active vs passive investing: the ground reality

There is a considerable amount of debate about active vs passive investing. The truth is, it is a tertiary concern. You need to have a proper investment plan in place. If this is done, you need the conviction to implement it and stay the course. Then it matters little if you choose active or passive...

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Can I use just one mutual fund for all my financial goals?

A reader asks, “Can I use just one mutual fund for all my financial goals like retirement, child’s education, etc.? Or should I buy separate mutual funds for each goal?” We assume the “one mutual fund” refers to an equity fund. The short answer is you can do both. I prefer separate mutual funds for...

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A daily SIP or weekly SIP offers no special benefits!

It is mid-2025, and I find it astounding that many investors still have a daily SIP or a weekly SIP running! I cannot understand who or what influenced them to do so. However, I can assure you that there are no special benefits to running a daily or weekly SIP compared to a monthly, quarterly,...

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Handpicked List of Mutual Funds July-Sep 2025 (PlumbLine)

These are the freefincal handpicked list of mutual funds. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has been published since September 2017 for beginners to accompany the freefincal robo advisor tool. Most importantly, Plumbline is a mix of my opinions, skin in the game...

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Are the rules of investing different for the rich?

A group of friends discussed whether the rules of investing differ for the rich. Should they do anything differently?  As with most things, the answer is not a simple yes or no. The definition of who is rich and who is not is arbitrary. For example, the mutual fund association in India defines a high...

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Creating an inheritance pot for the family

Last Updated on June 25, 2025 at 10:12 am A reader says, “I am attempting to start an experiment within my family. The plan is to create an inheritance pot each generation tries to hand over to the next generation. If they can add to the kitty, then great, but that is not an expectation....

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Five things to do when parents are still young!

One of my biggest regrets is being unable to splurge on my parents – buy them expensive gifts, take them on holidays, etc. My dad died when I was in debt (due to his hospital bills), and my mom became ill soon after.  So I keep telling young people that there is a small window...

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Central Autonomous Bodies are not (yet) eligible for the Unified Pension Scheme!

Last Updated on June 23, 2025 at 9:27 am Ever since the announcement of the Unified Pension Scheme (UPS), I had assumed that it would also apply to the Union Government’s Central Autonomous Bodies (CABs) (which include all the IITs; see a full list in the link below). That is not the case. Contrary to...

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