One of the common newbie questions regarding mutual fund SIPs is: What is the best date to start a mutual fund SIP? Nothing wrong with the question, but as in most cases, the answers are often wrong. In this post, I discuss the data of 4147 10-year Sensex SIP retuns computed between Jan 1991 and Sep…

If you are looking for someone to advise you on money management, then you should sign up with a fee-only financial planner – an investment advisor registered with SEBI – who does not get commissions from any agency and works only for you. Hundreds of readers have engaged the advisors from the freefincal List of Fee-only Financial…

Here are 10 things mutual fund investors should not be doing! Avoiding these will make you a better and contented investor. Naturally, the following is an opinion formed from my experience (and nature) and naturally, I do not expect many of you agree with me. The serenity prayer made popular by AA groups goes like…

Change in any sphere of life is inevitable. In the last decade or so, change has been so rapid in the Indian financial industry space – especially that concerning mutual funds and investment advise – that it is scary to watch even from the sidelines. A couple of years ago, PV Subra(money.com) asked a gathering…

Using the August 2018 Equity Mutual Fund Performance Screener published yesterday, we find out how large-cap and value-oriented mutual funds have fared against the Nifty 100 Equal Weight Index. This index has equal exposure to the top 100 stocks by free-float market capitalization. Sundaram and Principal AMC have index funds based on this. So like the Nifty…

Here is a list of equity mutual funds with low risk and good returns. There are 53 such funds across ten fund categories. How and why I compiled this list: Parag Parikh Long-Term Equity Fund (PPLTE) turned five last May (I am an NFO investor). So I wanted to review this funds performance for a post…

Skin in the game refers to a situation where the major decision makers (in any field) have a personal stake in the decisions that they make. In finance, one example is a fund manager and/or fund management (the fund house) investing their own money in the funds that they manage. I argue that demanding such a…

Readers may be well aware that I am no fan of mutual fund star ratings. Star ratings and past performance if not understood with the right perspective can result in mistakes. In this post, let me give you an example – of my laziness that lead to a mistake in the July 2018 Equity Mutual Fund…

A few days ago, I had presented backtest results for investing a lump sum in one-shot into an equity mutual fund vs gradually. I had shown that those looking to reduce investment risk or looking for better returns via gradual investing will be disappointed as there was no clear trend as to which is better….

If you have a lump sum and would like to invest it in an equity mutual fund, what is the best way to go about it? Invest in one-shot or gradually over a few months? Is there any benefit in investing gradually other than psychological comfort? Let us find out with a backtest. Before we…

In the third part of the video series on MF FAQ, we consider the following questions: 1:  Do we even need mutual funds?; Why should we invest in mutual funds? What are the benefits? 2: What is so special about a debt mutual fund? 3:  What are the risks associated with a debt mutual fund?  4: How to select…

No, this is not a click bait. I am being serious. There are several benefits to stopping your mutual fund SIPs and manually investing. I am working on an ebook – Mutual Fund FAQ: The Basics – that will provide short, easy to understand answers to 100+ common and basic questions that new investors ask. In…

I am working on an ebook – Mutual Fund FAQ: The Basics – that will provide short, easy to understand answers to 100+ common and basic questions that new investors ask. In parallel, I am also making a short video answer to each of the questions covered. This is the first part where will consider…

“I am worried about Quantum Long Term Equity Value Fund: Should I Exit?”, asked a reader. “Why does Value Research say this is a four star fund when it has only given half the benchmarks return in the past year?”, asked another. So that was enough encouragement for me to review the only fund from…

On 19th June 2008, I started investing in mutual funds. These ten years have changed the way I look at risk and even day to day money management. This is my story and the lessons I have learned. The broad trajectory should be well known to regular/old readers. This is an account of how I…