This is a guest post by S R Srinivasan, who is one of the most erudite users of freefincal. I had the pleasure of interacting with him twice at the Bangalore investor workshops. He talks about money management and growing wealth to new employees in his company and he kindly agreed to describe his approach and share his slide deck with us. Over to him.


In this write-up, I discuss an  engineering (methodical) approach to personal finance. I introduce the concept as growing wealthy using an engineering approach. I then describe the parts of the approach in some detail. A full presentation that follows this approach can be found below.

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A mutual fund screener based on how consistent a fund has performed with respect to a category benchmark over every possible three-year investment duration since 3rd April 2006 is presented. All equity funds and equity-oriented balanced funds (excluding equity savings funds) have been considered*.

Regular readers would immediately recognise that this is a follow-up to the previous post: A simple way to measure mutual fund performance consistency

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Here is the September 2016 list of equity mutual fund lump sum and SIP returns; upside capture, downside capture and capture ratios over 1,2,3,4,5,6,7,8,9 year periods.

Pranav Date played a key role in making this listing possible. He wrote a code to match the Value Research fund name and category with appropriate AMFI scheme code. This is a crucial step as it would be very difficult to manually do this for 386 equity funds.

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When Dilbert cartoonist Scott Adams could not find a publisher for a one-page book on "Everything you need to know about financial planning", he was forced to write a 368-page book - Dilbert and the Way of the Weasels. (Ref: MyMoneyBlog)

You don't even need a page to hold all the advice that Adams gives. All you need is an index card! To all those who have used a library before the era of computerized indexing, an index card is a 3-inch by 5-inch card on which authors are cataloged.

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The mainstream internet is about two decades old. It has revolutionised the way we buy things, transact, pay our bills, acquire and disseminate information and the very way in which we spend our time - I see young guys hang out in the park with their friends while constantly staring at their mobile phones!

However, the huge benefits and conveniences have a downside. Technological advancements often force people to get stuff that they do not want.

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