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Category: Young Earner

At 22 how should I design my investment portfolio and invest regularly?

October 27, 2020 / M. Pattabiraman / @pattufreefincal

Sandeep asks, “can you please advice me on how a 22 aged guy should design his investment portfolio & invest regularly?” When the right question is asked at the right time, it can be a gamechanger. We will leave it to the judgment of the reader whether the question was posed to the right person…

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At 21 my salary is too much! How should I invest?

October 5, 2020 / M. Pattabiraman / @pattufreefincal

Here is an interesting question from a young earner about to start his career: Dear Sir, I started following your work recently. I am 21 years old now and will graduate with a BCA degree this month. My internship is getting converted to full-time next month. I will be working as a Front End Developer…

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Are investors refusing to graduate beyond the basics?

July 22, 2020 / M. Pattabiraman / @pattufreefincal

Most investors wish to live in a certain “la la land” where they want a path that would lead to success. They want to hear what they want to and settle down with convenient truths. It is a refusal to graduate beyond the “basics” and confront cold reality. This means leaving the future of their…

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New to investing? Avoiding this rookie mistake can make a big difference!

June 26, 2020 / M. Pattabiraman / @pattufreefincal / 1 Comment

Every year, tens of thousands of people start their careers and recognise the need to manage money. Yet another tens of thousands want to correct past mistakes and get their investments in order.  A group just as strong is getting ready for retirement. All of them are rookies or newbies. Here is one rookie mistake…

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Investing in mutual funds for beginners: Basic MF questions answered

June 18, 2020 / M. Pattabiraman / @pattufreefincal / 4 Comments

This is a mutual fund guide for first-time investors to start investing in the right way. It is designed in an easy-to-understand question and answer format. We believe that new investors in mutual funds should first ask and then seek answers to these questions.

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Have you started multiple SIPs for small amounts? Correct this mistake now!

June 12, 2020 / M. Pattabiraman / @pattufreefincal / 20 Comments

Are you a young earner, who has just started investing in mutual funds? Have you started multiple SIPs (3,4,5 …) in mutual funds from the same category or type? Here is why this is a mistake and you need to stops some SIPs and consolidate your investments before it becomes a mess.

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Can I compensate my low income with higher investment return?

May 7, 2020 / M. Pattabiraman / @pattufreefincal / 3 Comments

Sooner or later after we finish college and start working, a life-altering realisation hits us. We find out what our school mates and college mates are doing, their lifestyle, how much they are likely to earn etc. We begin defining our relative station in life. What should a reasonably young person with “low income” do to…

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How young earners are coming to terms with the reality of recession

April 13, 2020 / M. Pattabiraman / @pattufreefincal / 6 Comments

How young earners are coming to terms with the market crash and the possibility of a weak future

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Unable to implement what you read about investing? Try this method

January 3, 2020 / M. Pattabiraman / @pattufreefincal / 1 Comment

If you have trouble remembering and implementing what you read about investing, try the reading method explained by Venkatesh Jayaraman in this free ebook

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11 Investment mistakes newbies should avoid in 2020!

January 1, 2020 / M. Pattabiraman / @pattufreefincal / 6 Comments

SEBI registered investment advisor Sriram Jayaraman discusses 11 Investment mistakes newbies and young earners should avoid in 2020!

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Starting trouble in personal finance? Try Venkatesh Jayaraman’s free ebook!

December 20, 2019 / M. Pattabiraman / @pattufreefincal / 1 Comment

If you would like to start managing your money in a better way but are suffering from starting trouble, this free ebook can help you get going!

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Atal Bimit Vyakti Kalyan Yojana: Will this help if you become unemployed?

December 14, 2019 / M. Pattabiraman / @pattufreefincal / 2 Comments

The Atal Bimit Vyakti Kalyan Yojana is a new unemployment insurance scheme. Will this provide enough relief if we lose our jobs? Let us find out how the scheme works, its benefits and features

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Beginner’s Guide to Personal Finance: A free e-book by Vinay Rai

December 12, 2019 / M. Pattabiraman / @pattufreefincal / 1 Comment

This is a free e-book for absolute beginners and newbies to personal finance by Vinay Rai. Young earners and those who wish to organise their personal finances can use this book as a “starter kit” and begin 2020 with confidence

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Annual subscription at a discount vs monthly subscription: which is better?

December 4, 2019 / M. Pattabiraman / @pattufreefincal / 6 Comments

Many online products and services can be renewed monthly or annually. The annual fee is considerably lower than the sum of the monthly fees over a year. Does it always make sense to take the discount and pay annually? Let us find out.

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Want to save tax for the first time? Tips to avoid mistakes!

November 25, 2019 / M. Pattabiraman / @pattufreefincal

If you are going to save tax for the first time this financial year, here are some simple tips to avoid mistakes that may permanently damage your finances.

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