In this article, Abhishek Kumar, a SEBI-registered investment advisor, discusses whether one should invest in the retail offshore MF from GIFT City, specifically the DSP Global Equity Fund. About the author: Abhishek is part of a freefincal’s curated list of fee-only financial advisors and a fee-only India member. He can be contacted via his website, sahajmoney.com. I still remember being 11…
Continue reading →A reader says, “Thanks for your website. I have been following it for a while, and I thought you could help me with my retirement plan. I also thought my case would be useful to your readers.” “I am 52 years old, and my wife is 49. I’ve been in the IT industry since 2000…
Continue reading →This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also spot NPS schemes with a higher return than a benchmark at a lower risk. This is similar in design to the freefincal Equity Mutual Fund Performance Screener. Inside, you get discounted links to our robo advisory tool and…
Continue reading →A reader asks, “Would you please suggest how one can manage financially if one is not eligible for health insurance due to pre-existing diseases for younger folks? Medical expenses are an inevitability. How do we plan for that as best as we can?” Most private health insurers today are unlikely to accept the risk of…
Continue reading →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…
Continue reading →Here is a list of steps to consider if your health insurance claim is rejected. For a rea-life experience see: How I used Bima Lokpal to contest my health insurance claim rejection and won 1. Do not let anger and emotions cloud your judgment. Take some time to read and re-read the claim repudiation letter. Find…
Continue reading →There is a considerable amount of debate about active vs passive investing. The truth is, it is a tertiary concern. You need to have a proper investment plan in place. If this is done, you need the conviction to implement it and stay the course. Then it matters little if you choose active or passive…
Continue reading →A reader asks, “Can I use just one mutual fund for all my financial goals like retirement, child’s education, etc.? Or should I buy separate mutual funds for each goal?” We assume the “one mutual fund” refers to an equity fund. The short answer is you can do both. I prefer separate mutual funds for…
Continue reading →It is mid-2025, and I find it astounding that many investors still have a daily SIP or a weekly SIP running! I cannot understand who or what influenced them to do so. However, I can assure you that there are no special benefits to running a daily or weekly SIP compared to a monthly, quarterly,…
Continue reading →These are the freefincal handpicked list of mutual funds. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has been published since September 2017 for beginners to accompany the freefincal robo advisor tool. Most importantly, Plumbline is a mix of my opinions, skin in the game…
Continue reading →A group of friends discussed whether the rules of investing differ for the rich. Should they do anything differently? As with most things, the answer is not a simple yes or no. The definition of who is rich and who is not is arbitrary. For example, the mutual fund association in India defines a high…
Continue reading →A reader says, “I am attempting to start an experiment within my family. The plan is to create an inheritance pot each generation tries to hand over to the next generation. If they can add to the kitty, then great, but that is not an expectation. It is good enough if they can sustain and…
Continue reading →One of my biggest regrets is being unable to splurge on my parents – buy them expensive gifts, take them on holidays, etc. My dad died when I was in debt (due to his hospital bills), and my mom became ill soon after. So I keep telling young people that there is a small window…
Continue reading →Ever since the announcement of the Unified Pension Scheme (UPS), I had assumed that it would also apply to the Union Government’s Central Autonomous Bodies (CABs) (which include all the IITs; see a full list in the link below). That is not the case. Contrary to some reports online, none of the official notifications about…
Continue reading →This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. Update: We recently added a new tool to the freefincal investor circle…
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