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Category: Financial Planning

Archive of  Articles and resources for financial planning

For long-term goals can I initially invest more in equity MFs?

Published on August 11, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

A reader asks, “Had watched many of your videos on asset allocation. I have a question in mind for which maybe I don’t have proper data to back it up. Example: In my case, let’s says I started investing at the age of 26-27and. I have saved enough money for short term goals.” “All my…

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The ultimate guide to booking cheap flight tickets in India

Published on July 27, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

If I say that I never frowned at the prices of air tickets, I’d be lying. Most of us are always on the lookout for cheap flight tickets. This holds especially true for those who love to travel. Believe me, I have a friend who once booked a ticket only because it was cheap. He…

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Remote Work: How to Make It Work for You

Published on July 23, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

In this article, Vishal Kataria explains how to become an effective remote worker, be it an employee, freelancer, or entrepreneur. He has more than seven years of experience as a remote worker and has taken the trouble to interview friends with the same lifestyle to get their insights. The idea for this article came to…

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How ten years of tracking investments changed my life

Published on July 18, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

As I opened my investment tracker spreadsheet for this month, I realised that I have been at it for the last ten years. This is how tracking investments have changed my life and why I strongly recommend it. Today I can invest more for retirement than my target investment. That was not the case when…

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Inflation has reduced Rs. one lakh to just Rs. 6000 in 40 years!

Published on July 17, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

The cost inflation index for the financial year 2021-2022 was recently announced. We compile 40 years of cost inflation index data to understand the devastating consequences of inflation and why our singular focus should be on beating inflation for our long term goals. The cost inflation index (CII) is not a measure of true price…

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Cost Inflation Index Historical Data from 1980-81 to 2024-25

Published on July 16, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

The cost inflation index in India is currently published with 2001-02 as the base year. It was earlier published with 1981-82 as the base year. You can find both data sets here. That is from 2001-02 to the current financial year – this is the list to be used for income tax computation – and…

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Can we use a credit card to pay for emergencies?

Published on July 15, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

I am writing this after learning of two incidents where credit card payments for emergencies resulted in more expenses (interest payment). What is discussed is quite basic and should sound trivial for experienced money managers. You could then share the article with someone younger. Let start by appeasing children from the reward point gang that…

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Data sources for DIY Investing and Analysis

Published on July 11, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

This is a list of free data sources that can be used for DIY investing and analysis. It is the culmination of years of searching – the fun and frustration of hunting for reliable information online far exceed that of using a readymade list, but it might hasten better analysis. So here we go. This…

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How to beat inflation for short-term goals

Published on July 5, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

We all know the reason for investing in ample amounts of equity for long-term goals. It is to beat inflation. Or, in other words, to get a return higher than what typical fixed income products offer – a good measure of realistic inflation in India for day to day expenses (services tend to have higher…

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PPF will not make us crorepatis! We need to take risks for that!

Published on June 18, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

You may have come across articles in your news and discover feeds on “how to become a crorepati with PPF”. There is only one reason such articles get written: for traffic. “PPF” in itself is an attention grabber. Add the emotional hook “crorepati” to it then it is a magical combination. It is possible to…

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What return can I expect on my second house over 15-20 years?

Published on June 16, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Sharad asks, “Have you ever analysed property as a long term investment option? If I have a debt-free second house, should I liquidate it and invest in markets or continue to hold the property for the next 15 years? Assuming all the other things like emergency expenses etc., are taken care of. What is the…

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Should we invest for our children’s marriage — or not?

Published on June 13, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Alok asks, “dear pattu, sir, thanks to your articles, we have started investing with confidence for retirement and my son’s education (he just turned two). There is one aspect we are not able to decide on. Should we invest for our son’s marriage expenses or not? My wife says no, but I am not sure….

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Scared to stop 50K insurance premium & invest in equity MFs: What should I do?

Published on June 6, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Many of us have in this situation before. A reader who wishes to be anonymous writes, “Dear Pattu Sir, I need help with two issues. First, I understand why we should not mix insurance and investment, but my father forced me to buy a LIC policy with an annual premium of about Rs. 50,000. The…

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How to invest in mutual funds if we have multiple goals?

Published on May 30, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

In a Q and A session held on our Youtube channel yesterday (linked below), we encountered two similar questions: Kohila asks, “we have two goals, retirement, our son’s education which is 8 years and 12 years away. Should we use the same mutual funds for both or separate funds?” Bala Gurunathan asks, ” I have…

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Should I plan for my child’s PG education costs in addition to UG?

Published on May 25, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

I received this question from a reader who prefers anonymity. “Dear Pattu sir, I recently became a parent and started investing for my son’s college education expenses (UG). I am debating whether to include post-graduation (PG) costs into my goal. I did my MBA with an education loan. The fear of completing that loan made…

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