M. Pattabiraman's Blog, page 95

RIL Demerger: Curation risk in passive investing

On April 12th 2023, The Business Standard reported the Nifty criteria may be tweaked before RIL’s financial services arm demerger as the current rule could lead to the firm’s exclusion from the index. On Feb 24th 2022, the NSE announced that the “Minimum listing history requirement in case of a new listing and companies traded subsequent...

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Are ESG themed mutual funds worth investing in?

A reader wants to know if investing in an ESG-themed mutual fund is worth it. So some numbers and some discussion. In general, all thematic funds are unnecessary. The same logic applies to ESG, which gives off a “saving the planet vibe”! What is the Environmental, Social and Governance (ESG) investment theme? It involves choosing...

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Which small cap mutual fund should I include in my portfolio?

A reader says, “Please advise which small cap mutual fund I should include in my portfolio?” The short answer: There is no need for small cap funds in any investment portfolio! Regular readers are maybe aware of our stance on small cap mutual funds: Why a SIP in Small Cap Mutual Funds is a waste...

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How Abhineeth plans to achieve financial independence and build a house

Hi, this is Abhineeth. I am a 30-year-old working as an Engineer in the state government service. I joined this position in 2016, and this is my 7th year. This is how I aim to achieve financial independence and buy/construct a decent house for my family. About this series: I am grateful to readers for...

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Equity Mutual Fund Screener April 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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Why are you against using Sovereign Gold Bonds in an investment portfolio?

An angry reader writes, “I searched all your articles on gold and found that you have repeatedly recommended against using Sovereign Gold Bonds in an investment portfolio. Why is this so? They are tax-free when held to maturity, and you get extra interest. No other gold instrument has these features, yet you are against this....

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44-year Sensex return is 17%, but half of that came from just four years!

It is widely recognized that stock market returns tend to be clustered, with significant gains followed by years of disappointment. In this article, we examine the yearly and monthly returns of the Sensex from April 1979 and demonstrate that the annualized return after 44 years is primarily determined by just a handful of successful years/months....

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Why a robo advisor can be a good assistant to a human advisor

In this article, I expound my opinion that a single robo advisor exclusively built for a single advisor or trained with a single advisor (in the case of machine learning) can assist that advisor given enough time, input and practice. A few weeks back, SEBI RIA Swapnil Kende wrote an eloquent piece on Why good quality...

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Can I invest in Balanced Advantage Funds instead of Debt Funds from 1st April?

The amendment to the finance bill 2023 modifying the tax status of debt funds seems to have rendered many investors in turmoil. They seem desperate to invest in debt funds before 1st April – we recommend that you don’t: Should I invest a lump sum in debt mutual funds before 1st April 2023? They seem...

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What return can I expect from a 10-year SIP in the Nasdaq 100?

A new reader took exception to our view of the Nasdaq 100, leading to an interesting conversation, parts of which are reproduced. “Why do you keep saying not to invest in the Nasdaq 100?” As discussed earlier, the main reason for our recommendation is “Not many investors appreciate that the NASDAQ 100 is a highly...

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