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In the last quarter of the financial year, we are likely to encounter advertisements and sales pitches for how ELSS mutual funds are better than other tax saving instruments. A common sales pitch is that ELSS mutual fund investments are locked for three years and hence the fund manager can deploy funds without worrying about redemption pressure. Some have even suggested that this lock-in will help get better returns.

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In this weeks freefincal Q/A, we discuss matters ranging from last year's star ELSS fund to portfolio rebalancing. Before we get to the questions, a quick mention that the Q/A is a feature in which I address generic questions from readers. You can use the form below to ask your questions. I will address them next week. I was supposed to do a video response, but my cold has not let up. So that will have to wait.

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The second Pune DIY investor workshop will be held on Feb 26th 2017. Ashal Jauhari (Facebook Group: Asan Ideas For Wealth) and your truly (M. Pattabiraman(pattu), freefincal.com) will be the speakers.

As always, the event will focus on simple methods to personalise money management. No prior knowledge of personal finance is necessary.

It will cater to the requirements of young earners, newbies and individuals who are adept at basics.
We recommend attending the event with your spouse/partner.

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The distribution of wealth cannot be even among the members of a society/country. This is just not practical. Oxfam International’s global inequality report released this month points to the world in which the gap between the rich and poor is alarmingly getting wider. In this post, I discuss how to make (statistical) sense of this wealth distribution. In later posts, I shall point out how this behaviour is identical to many other situations like stocks prices, coastlines, snowflakes and even the dust collection!

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Have you ever wondered why a corporate fixed deposit offers a higher rate of return than a bank deposit? Have you ever considered investing in corporate FDs, but worried about the "risks"? In this post, I simple ways to invest in corporate fixed deposits.

Before we begin, allow me to point out that You Can Be Rich Too With Goal Based Investing is now available at Rs. 307 - a 23% discount at Amazon.in or at Infibeam for at the same price plus an additional 10% discount with coupon code REPUBLIC10

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