M. Pattabiraman's Blog, page 99

I retire in 19 years – Can I opt for higher EPS pension?

With the deadline to opt for a higher EPS pension shifted to June 26, 2023, subscribers have some time to evaluate the decision. A reader with 15 years of service in a PSU wants to know if an EPS pension will benefit him. He estimates that he has to shift about 13.5 lakhs from EPF...

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Equity Mutual Fund Screener May 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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How a young couple tries to balance their personal and financial aspirations

In April 2022, we met Arka and Rupali, who are trying to balance their personal aspirations, like travelling and exploring new opportunities, with their quest for financial independence. This is a follow-up audit. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of...

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Which mutual fund category should I use to invest for a newborn child?

A viewer on our YouTube channel wants to know, “Which mutual fund category should I use to invest for a newborn child?”. It is heartening to note that you are seeking category names and not actual fund names. However, some work must be done before we can get there. Our investing mantra is process-first, products-last. ...

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How I manage my goal-based investments in auto-pilot

In Dec 2022, Mr Alam shared his financial journey: From a net worth of Rs. 6000 to auto-pilot goal-based investing. He has shared specific details of investments in this follow-up. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of the previous editions...

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After 13 years of investing in the NPS my return is 8.78%

I have invested in the National Pension Scheme (NPS) since 8th March 2010. This is a performance report of how the NPS invested has fared over the last 13+ years. We also compare the returns with EPF. Note: Kindly do not assume that I am recommending NPS instruments. My situation is quite different from most....

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Stocks with low volatility and momentum for May 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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At 45 my retirement corpus is 37X with 45% equity should I start decreasing equity exposure?

A reader says, “You mention in multiple articles such as – How much equity should I hold after retirement? – An equity allocation of not more than 30% for typical retirements is recommended.” “Can you write/update an article explaining if/how this 30% number would change based on someone’s current corpus (as a multiple of annual...

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Can I use Target Maturity Funds like recurring deposits?

A reader asks, “I have been reading a bit on Target Maturity Funds and wanted to know if these can be used like a recurring deposit. Example: Let’s say I wish to buy a house in 2031. I want to create a substantial amount for the down payment”. “I intend to build the corpus through...

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Why bother with asset allocation if I have the appetite to bear market ups and downs?

A reader asks,  “If I pick any so-called large or mid cap schemes and if I check returns more than ten years, they have at least 12% CAGR and above. If my time horizon is above ten years and I’m happy with a 12% CAGR, can I stick to only one good fund and do...

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