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Each week I try and answer generic questions from readers. Here is this week's edition in which we cover topics ranging from the retirement bucket strategy, mutual fund portfolio turnover ratio and the scheme information document. You can use the form below to ask your question. I shall take them up next week.

Before we begin, my book with PV Subramanyam, You Can Be Rich Too is available at a 50% discount (Rs. 198) for short periods of time this month as it was among the top 25 bestsellers in the last 3 months. Grab it now!

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Each week I try and answer generic questions from readers. Here is this weeks edition. You can use the form below to you ask your question. In case you have missed yesterday's post because of the UP elections, here it is: Personal Inflation Calculator.

Dashrath: Dear Pattu Sir, I have invested in Annuity scheme which offers 7.5% annuity per year and return of Capital, at the END. Can I consider this as a part of my asset allocation of Debt-Fixed Income? (Basic objective of investment was to hook to this high return considering future regime of low interest). Please guide. Regards Dashrath

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Each week I try and answer generic questions from readers. Here is this weeks edition. You can use the form below to ask your question. Kindly note that I cannot offer investment advice or product suggestions.

Satya: Hi Sir, I am planning to build mf portfolio on my wife's name. What is the best way to do. For example, i have balance fund mf in my pf, it is okay to add balance fund there as well. Or both pf should have unique fund category?

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Each week I try and answer generic questions on personal finance. Here is part two of this week's edition. You can use the form below to ask your questions.
Alim:
I understand that debt funds/bonds are inversely variable to the current interest rates. I hold some tax free bonds @7.2% & have invested in ICICI Pru long term fund. But the returns on them are dismal. In fact the NAV of both have fallen in the last 2 months. Where did I go wrong. When are the returns on the above likely to stabilize.

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Each week I try and answer generic questions on personal finance. Here is part one of this week's edition. You can use the form below to ask your questions.

Shrirang: Sir, I have my home loan currently going on which will be completed end of the year. The EMI costs about 40% of my current salary. My current expenses are about 35% of my current salary. I am looking to start doing investment for my retire plan. How could i start to proceed? Your help is appreciated.

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