M. Pattabiraman's Blog, page 83

Equity Mutual Fund Screener Aug 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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What return should a 35Y old use when planning for retirement?

A reader asks, “Sir, What return should I use while planning for retirement? I wish to retire by age 55. I am currently 35 years of age”. Many people make two mistakes while planning their finances. The first common mistake is presuming that equity mutual funds provide a 12%  (or more!) return and utilizing that...

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Want to surrender your insurance policy? Don’t listen to random advice!

I purchased two endowment policies last year and currently pay an annual premium of 2 Lakhs for these policies. Renewal for these policies is due next month, and I’ve heard that insurance policies are not ideal for investment due to their relatively low returns. So, should I consider surrendering these policies? About the author: Ajay...

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How do I find my risk-taking capacity and choose an asset allocation

We received this interesting question.”First of all, I’d like to thank you for the blogs and videos that you make. I’m fresh out of college(21 years old) and will start my first job soon. Your content has spiked my interest in personal finance and made me examine it analytically”. “My question is rather simple but...

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Stocks with low volatility and momentum for Aug 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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Can I invest in my kid’s minor PPF account when I invest Rs 1.5 Lakhs in my PPF?

A reader asks,  “I have a question regarding this article, wrt to the kid’s education corpus – After ten years of MF investing, Suhas is on track to achieve his financial goals. The user mentions opening a second ppf account. My question is, Is it possible for me to invest in my kid’s ppf account,...

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Is it possible to combine a bucket strategy with income laddering after retirement?

This article explains how a retirement bucket strategy can be combined with an income ladder in various ways. The goal is to reduce the management risks associated with a bucket strategy. In an income ladder, we use fixed-income instruments that mature periodically in future, providing income to the retiree. Let us consider an example. Suppose...

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Client Survey: The most important factor in choosing a fee-only advisor

We recently ran a survey for clients of fee-only advisors who are part of Freefincal’s curated list and fee-only India – 964 clients have participated. A healthy trend has emerged that warrants our attention, and we strongly believe any further response would only strengthen it. We shall discuss answers to two survey questions in this...

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FAQ: Financial Independence, Retire Early (FIRE)

This article addresses frequently asked questions on Financial Independence, Retire Early or FIRE. 1 What is the definition of financial independence? When a person has enough income from her investments or net worth to not only replace existing gainful employment but also combat inflation in essential expenses and lifestyle changes for the remainder of their...

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My Stock Portfolio Analysis: July 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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