My 1000th Blog post, With A Little Help From My Friends

Published: April 12, 2017 at 10:43 am

Last Updated on

What would you think if I sang out of tune, would you stand up and walk out on me? Lend me your ears and I’ll sing you a song, and I’ll try not to sing out of key. Oh I get by with a little help from my friends; Mm I get high with a little help from my friends; Mm gonna try with a little help from my friends. So goes the song from the Beatles (link below). I think that perfectly describes how I feel today and every day I try and cough up a post. Yes, it is my 1000th post. Hardly an achievement, but I thought I will take this opportunity to thank friends and well-wishers who teach, aid, contribute to, and inspire me.

P V Subramanyam: Subra( with his unique intuitive understanding of risk and reward is responsible for many of the calculators here.  He is also responsible for the site gaining traction soon after it was born. To think I can now refer to him as a co-author is surreal. And he must have written 3000+ posts!

Ashal Jauahari:  He is my brother. The DIY investor meets found its niche when he came on board. His passion for personal finance is out of the world.

Ramesh Mangal: One of the sharpest tools in the DIY shed.  I have learnt so much from him about risk and reward over the years – the Ulcer Index is an example.

Sundaram Anathakrishnan: Expert investor, an early retiree with wisdom and kindness to boot. Someone I can seek counsel from in times of trouble. He took great pains to organise the first Mumbai Investor meet in March 2015.

Balaji Swaminathan: Expert investor, early retiree and master information diviner from the www. You can read more about him here: Achieving Financial Independence: A Forthright Interview and his guest post here: Mutual Fund Expense Ratio: Direct Plan vs Regular Plan

Anish Mohan: A DIY investor who does not hesitate to help out the DIY community is a rare combination. Each time I have requested him for a post, he would literally drop everything to write it. Here is a couple of key posts:

Reader Story: Arise, Awake and DIY!

MF Utility Portal User Guide: Updated Second Edition

Aparna CK:  With her ITR1 and ITR2/4 tax filing guides lead to a huge surge in freefincal traffic. She also shared the presentation made to her colleagues: An Introduction To Personal Finance For Young Earners.

Guhan Ramanan: Another DIYer who likes to help the community. Filmed an entire DIY meet: Video: R. Balakrishnan on “investing for keeps: in equities I trust”.

Created a Google Spreadsheet for tracking progress to financial freedom and shared his experiences: Reader Story: A Force Awakens!

S R Srinivasan: Validated his financial independence status by combining retirement tools published here. Shared his office presentation: Growing Wealth: An engineering approach.

Butun Mohapatra wrote an extremely thought provoking post: Reader Story: Are you sure you can be a DIY investor? This has helped many drop the idea of DIY and consult a SEBI Registered Fee-only financial planner.

Srini Sundararaman: Who organised the investor meet in Chennai (Nov 1st 2014).

Muthu Krishnan et al. We have had six DIY meets at Bangalore. Strong support from friends like Muthu, Guruprasad Bhupathirajan, Prem Nath, Prashanth Tripathy, Krishna Kishore, Mohit Pandey, Vignesh Bhasker and Aaqil Mohammed is responsible for this.  Muthu, in particular, has been the point man for sourcing good locations and booking. Muthu has also spoken about the nature of compounding in two meets.

Krishna Kishore: An extremely level-headed stock investor. He has spoken thrice on choosing good businesses and also authored two guest posts:

A Guide to Understanding Stock Screeners

FMCG Stocks: The Truth & myths of so-called “Safe Bets”

Indraneal Balasubramanian: Another erudite stock investor, spoke at the Mumbai meet last October, blogs at cognicrafting and has authored: How to Build a Stock Screener.

Both Krishna and Indraneal are responsible for the built-in stock screens available in the freefincal Excel Stock Screener.

Picture Credit: Miguel (flickr)

Pranav Date: Boy can be code in Excel! He is single-handedly responsible for the monthly return, outperformance and upside/downside screeners. He also created the awesome Nifty Historical Data Downloader: Price, Total Returns, PE, PB and Div Yield and this resulted in:

Nifty Valuation Analysis with PE, PB, Div Yield, ROE, EPS of 21 NSE Indices

Pranav and Shruti Patel organised the second Mumbai DIY meet.

Melvin Joseph is one of the few, most successful pure fee-only financial planner (no jugaad!). He has authored two posts:

How to become a Registered Investment Adviser (RIA) in India

Investment Options for Non-resident Indians (NRIs)

Srinivasan Sundarajan was kind enough to share his experience of porting from corporate cover to individual medical cover.

Part1 : Should I buy personal health insurance if I have company health cover?

Part2: Experience: After porting from group health insurance to a family floater

Join our 1500+ Facebook Group on Portfolio Management! Losing sleep over the market crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free! Did you miss out on the lockdown discount? You can still avail it! Follow instructions in the above link!

And also wrote an insightful post: Should I buy Long Term Gilt Mutual Funds, well before they started falling.
Swapnil Kendhe for insightful discussions;

Basavaraj Tonagatti (, Kirti Desai (Bemoneyaware) & Sreekanth Reddy ( For their friendship and support to You Can Be Rich Too.

Piyush Khatri (fee-only financial planner in Hyderabad) for his support and help in making the Hyderabad meet possible.

A K Anand for his friendship and help in organising the first Delhi DIY meet.

Ayush Mukherjee for organising the second Delhi meet.

Rupesh Varma, Dinesh Wadhekar and Poovanan Seeni for making the Pune Meets possible.

Debojyoti Das: For his efforts in making the Calcutta DIY meet possible (to be announced).

Paranv Surya: With whom I am working on a new book “Game Changer”

I have a dreadful feeling that I am forgetting many others. Kindly excuse me.

My wife, Rama: Her unstinting support is one of the main reasons that I am able o work in peace. A doctorate in physics, she is now a bird photographer. You can follow her photos in her FB page: Pan-O-Rama

Thank you, Dear Reader

Without your support, I would have certainly not gotten here. Freefincal has provided new purpose and meaning to my life. Every time I felt depressed and felt my life was pointless, an email from a reader has kept me going. Thanks to you, I never go to bed depressed and I wake up with a purpose. Thank you very much for your patient reading.


New Delhi DIY Investor Workshop April 23rd 2017

Register for the New Delhi DIY Investor Workshop April 23rd 2017

You Can Be Rich Too With Goal-Based Investing

is a book that I have co-authored with  PV Subramanyam. if you have not yet got the book, check out the reviews below and use the links to buy.

Reader Quotes:

Gift it to your Friends and Relatives whom you care more. Already follower of Pattu and Subra’s forum. Ordered 4 more copies to give gift to my friends and eagerly waiting to read

The best book ever on Financial Freedom Planning. Go get it now!

Your first investment should be buying this book

The (nine online) calculators are really awesome and will give you all possible insights

Thank you, readers, for your generous support and patronage.

Amazon Hardcover Rs. 317. 21% OFF

Kindle at (Rs. 307)

Google Play Store (Rs. 307)

Infibeam Now just Rs. 307 24% OFF.

If you use a mobikwik wallet, and purchase via infibeam, you can get up to 100% cashback!!

Bookadda Rs. 344. Flipkart Rs. 359 ($ 3.70 or Rs. 267)

Google Play Store (Rs. 244.30)

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More information is available here: A Beginner’s Guide To Make Your Money Dreams Come True!

What Readers Say

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Join our 1500+ Facebook Group on Portfolio Management! Losing sleep over the market crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free! Did you miss out on the lockdown discount? You can still avail it! Follow instructions in the above link!

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About the Author

Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

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  1. CONGRALUATIONS.May God give you enough strenghts to educate people like me who
    have been immensely benifited by you

    1. Thank you, sir. That is very kind and generous of you considering your age and immense experience.

  2. Congrats Pattu, you have influenced a lot of people including me. Your calculators are out of the world.

  3. Excellent articles. Whenever my friends ask me advice on MF, the first guidance I give them is go to Freefincal. Best wishes and regards to the entire team.

  4. Congrats Pattu, your articles are very good and helped me a lot to learn personal finance basics. Thanks you very much.

  5. Happy to be instrumental in organizing the first ever Investor meet for you. Congrtulations and way to go.

  6. Congrats Pattu Sir. Your website has been like a beacon light for my personal finance. Thanks much for that.

  7. Many congratulations .
    You are the best .
    God bless you with good health and ability to keep bringing positive change in lives of millions like me .
    A big Thank you !

  8. Congratulations, dear Pattu-but this is just the beginning. There are greater summits awaiting you 🙂

    And feel blessed to find my name in the elite list of your friends – Nanban da 😀

  9. Congratulations Pattuji!

    A number of regular readers like me have immensely benefited from your unique perspective. By being rigorously mathematical in your approach, you have given fresh insights into investing & goal-setting in the Indian context. Your calculators are surely the best available for the Indian situation and make projections and concepts crystal-clear. And all this content being available for free is just amazing. Probably, as an outsider – a physics professor – looking in at personal finance gives you your uncommon viewpoint. Comparisons are odious but you are the William Bernstein of Indian personal finance.

    Please keep up the good work. You represent the best about online communities.

    Thanks for sharing your knowledge & deep insights.

    1. Thank you very much. You are right the uncommon viewpoint is important. I am not worthy of such comparisons though. Thank you 🙂

  10. Dear Pattu:

    Congratulations! There have been many useful insights and tools over the period in freefincal, which I have relished.

    It’s a tremendous achievement – a 1000 blogs!

    I love the fact that you are looking for people to find their financial freedom… please keep it going.

    Best Wishes and Thanks again.

  11. Pattu Sir,
    Congratulations on this great milestone!

    “The woods are lovely, dark and deep,
    But I have promises to keep.

    And miles to go before I sleep,
    And miles to go before I sleep!”

    Ramesh Kulkarni.
    (DIY Pune Investors meet. 26 ‘Feb., 2017.)

  12. Dear Pattu,

    Hearty congratulations on the big milestone…. there are many more to come for sure.

    Thanks for the financial enlightenment through rigorous mathematical approach :). I have benefited immensely from your blog as well as workshops. And hope to continue grasping some of your wisdom/knowledge shared on this blog and putting it in action.

    Keep up the great work.

    Your Follower.

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