M. Pattabiraman's Blog, page 83
October 9, 2023
I started investing one year ago – should I rebalance my portfolio now?
A reader asks, “If you started investing one year and four months back with 60 -40 equity-debt, Its current value is 59 – 41. Should you rebalance now or wait for the further difference?” What is portfolio rebalancing? Asset allocation is the most important aspect of your portfolio. It tells you how much equity you...
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October 8, 2023
Equity Mutual Fund Screener Oct 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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October 7, 2023
Should I claim through corporate cover or personal health insurance policy?
Many clients often inquire whether to use their personal or corporate health insurance policy first. Let’s figure out whether you should use your corporate or personal health insurance in case of hospitalization, assuming there are no room rent sub-limits in both policies. I thank Melvin Joseph Sir (Finvin Financial Planners), who provided valuable input for...
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October 6, 2023
How to avoid rebalancing is the most common question we get!
By now, everyone knows the drill. For a long term goal, you can have 50-60% of equity exposure (preferably in an index fund) and the rest in fixed income. Get set, go. Sadly, the race has just begun, and there are plenty of pit stops to worry about. The number of people who care about...
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October 5, 2023
Stocks with low volatility and momentum for Oct 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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October 4, 2023
Overconfidence in Equity Could Spell Trouble for Investors!
It is clear from how many readers, particularly young earners, respond to freefincal content these days that they are overconfident about their equity investments. Especially investments in small cap funds, mid cap funds, etc., that have soared in recent months. This could spell trouble for their dreams. I hate to break it to you, but...
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October 3, 2023
Groww Nifty Total Market Index Fund Review
Groww Nifty Total Market Index Fund is an open-ended scheme replicating/ tracking the Nifty Total Market Index (TRI). In this article, we compare the rolling returns of the underlying index with Nifty 50 TRI. The Nifty Total Market Index tracks the performance of 750 stocks covering large, mid, small and microcap segments. Nifty 500 index...
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October 2, 2023
United India Revises Health Insurance Policy Terms w.e.f Sep 2023
Last Updated on October 3, 2023 at 8:57 am United India Insurance has revised policy terms and premiums for its Family Medicare and Individual Health Insurance Policy w.e.f 14th Sep 2023. I recently renewed my family’s medicare policy with them and found that the premiums for me (age 49), my wife (age 47) and my...
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October 1, 2023
Why are you not recommending mid cap and small cap funds?
Last Updated on October 2, 2023 at 3:22 pm A reader sent us a rather strongly worded email after reading the Handpicked List of Mutual Funds Oct-Dec 2023 (PlumbLine). He was unhappy that we are against investing in active mid cap and small cap fuds and wanted to know why. Our decision stems from our...
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September 30, 2023
Is it okay to postpone investments until my home loan is closed?
A reader says, “I have an ongoing home loan. The EMI is about 25% of my take-home pay. I cannot be at peace because of this home loan and wish to pre-pay the loan as soon as possible. Am I right?” It turns out that that reader had sold all existing stocks and mutual fund...
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