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Watch a demo of the freefincal robo advisory template

April 7, 2021 / M. Pattabiraman / @pattufreefincal Featured

This is an updated demo of the freefincal robo advisory template. I walk you through the template’s capabilities and how you can create a complete start to finish financial plan with it.  More than 410 DIY investors and financial advisors are using the robo advisory template. Get the freefincal robo advisory software template to plan…

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Get my new book for kids: Chinchu gets a superpower!

February 11, 2021 / M. Pattabiraman / @pattufreefincal Featured

My new book for kids: “Chinchu gets a superpower!” is now available! Here are the details on what the book is about; how to use it and how to buy it. What is this book about? As parents, if we had to groom one ability in our children that is key not only to money…

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New Ebook: Do Not Buy Gaming Consoles, Buy this instead!

January 21, 2021 / M. Pattabiraman / @pattufreefincal Featured

Does your child want the new Sony PlayStation 5(PS5)? Maybe they want an Xbox? Maybe you know a friend who is planning to buy these. However, do not buy these gaming consoles! In our new ebook, tech expert Ravi Kumar presents a step by step guide for non-techies with all relevant resources to build a…

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How to profit from content writing: Our new ebook!

December 25, 2020 / M. Pattabiraman / @pattufreefincal Featured

I am happy to announce the release of our new e-book: How to profit from content writing. Two professional content writers, Smriti and Deepti share their experiences and insights on how to create effective content, how to become a freelance content writer and generate regular side-income. You can buy the book at a 50% discount…

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Expense ratio of my index fund has doubled! Should I switch to ETFs?

April 11, 2021 / M. Pattabiraman / @pattufreefincal

The TER (total expense ratio) of the Tata Nifty Index Fund shot up from 0.05% to 0.15% on 5th April 2021. From 16th April UTI Nifty Index fund will charge a TER of 0.18% instead of 0.1%. From 15th April 2021, HDFC Nifty and Sensex Index funds will cost twice as much – from 0.1%…

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Is this the right time to buy gilt mutual funds?

April 10, 2021 / M. Pattabiraman / @pattufreefincal

Over the past few days, several readers have asked, “Is this the right time to start buying gilt mutual funds?”. This is because of our repeated stress on gilt funds being a suitable choice or accompaniment to EPF/PPF for long-term goals. See: PPF vs Gilt mutual funds: Which has done better over 15 years? And Why I…

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The arithmetic of index investing explained

April 9, 2021 / M. Pattabiraman / @pattufreefincal

The interest in index investing is growing in India, but few understand what indexing is and why it works. In this article, SEBI registered fee-only advisor Swapnil Kendhe explains the basics of indexing and why it is effective. About the author: Swapnil is a SEBI Registered Investment Advisor and part of my fee-only financial planners’ list….

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Equity Mutual Fund Screener April 2021: Shortlist consistent performers

April 8, 2021 / M. Pattabiraman / @pattufreefincal

The freefincal Equity Mutual Fund Performance Screener (April 2021) is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark and spot mutual funds that have got a higher return than a benchmark at a lower risk. Inside, you get  ~ 40% discounted links…

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With market losing momentum should I book some MF profits?

April 7, 2021 / M. Pattabiraman / @pattufreefincal

In this article, we discuss a question posed by Suresh: “sir, the market has slowly started falling after budget 2021. Is it time to book some profits from mutual funds?” Even a casual observer would agree with Suresh. Let us first try to visualise this. The Sensex price movement in pink and the corresponding one-year…

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Understanding Repo Rate and Reverse Repo rate

April 6, 2021 / M. Pattabiraman / @pattufreefincal

I am sure that at some point while watching the news on TV or skimming through news articles, you might have come across headlines like these and wondered what they meant: “RBI raises repo rate, reverse repo rate by 25 bps”,  “RBI cuts repo rate by 25 basis points” With the RBI’s rate-setting panel (the…

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Why is ICICI Nifty Next 50 Index Fund rated only one star?!

April 6, 2021 / M. Pattabiraman / @pattufreefincal

We received this email from a reader. “Dear pattu sir, I was shocked to see Value Research has rated ICICI Pru Nifty Next 50 Index Fund Direct Plan with their lowest rating of just one star! How is this possible? How can an index fund have a star rating and that too so low? Can…

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Who Stole My Debt Fund NAV? Understanding debt fund returns

April 5, 2021 / M. Pattabiraman / @pattufreefincal

Generally, debt products are expected to have lower volatility than equity mutual funds. However, many investors find that debt fund volatility is a lot higher than what they anticipated. This is because of incorrect expectations and a poor understanding of the factors that influence debt fund returns. In this article, we discuss a simple way…

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SIP vs Lump sum: Which is a better way to invest in mutual funds?

April 4, 2021 / M. Pattabiraman / @pattufreefincal

Let us discuss the answer to a question we received recently: “dear sir, can you please compare MF SIP vs lump sum returns and tell us which is a better way to invest in mutual funds?”. This question has been asked and analyzed for decades! Unfortunately, very few point this simple fact. If you ask…

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Handpicked List of Mutual Funds Apr-Jun 2021 (PlumbLine)

April 3, 2021 / M. Pattabiraman / @pattufreefincal

These are the freefincal handpicked list of mutual funds for Apr-Jun 2021. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and was started in Sep 2017 for beginners to accompany the freefincal robo advisory template. This quarter, I have two new categories and consolidated some types…

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List of Stocks with low volatility and momentum for April 2021

April 2, 2021 / M. Pattabiraman / @pattufreefincal

Here is a list of stocks with low volatility and momentum for April 2021 from the Nifty 100. You can also get the historical data from March 2019 to April 2021.  We filter Nifty 100 for (1) positive 1-year return, (2) positive six-month return, (3) price > 200-day moving average, (4) 50% of daily positive…

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The govt is not going to help us or save us! We have to do that ourselves!

April 1, 2021 / M. Pattabiraman / @pattufreefincal

It seems incredulous that I am writing this in 2021. It feels like 1921 when I see so many people complain that the govt does not want to help senior citizens or the middle-class or the lower-income group. Every govt regardless of who is in power, tries to do its best to those who need…

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Why IT slabs should be used to fix small savings scheme interest rates

April 1, 2021 / M. Pattabiraman / @pattufreefincal

In this article, I discuss why the govt can use income tax (IT) slab rates as a primary guide for fixing small savings scheme interest rates to (1) reduce hardships to lower-income groups and senior citizens and (2) avoid cringy embarrassment such as this PPF rate cut reversed but do not reverse your decision to reconsider…

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PPF rate cut reversed but do not reverse your decision to reconsider it!

April 1, 2021 / M. Pattabiraman / @pattufreefincal

The finance minister in a tweet announced, “interest rates of small savings schemes of GoI shall continue to be at the rates which existed in the last quarter of 2020-2021, ie, rates that prevailed as of March 2021. Orders issued by oversight shall be withdrawn”.  Inspite of this readers should reconsider its place in their…

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  • Expense ratio of my index fund has doubled! Should I switch to ETFs? April 11, 2021
  • Is this the right time to buy gilt mutual funds? April 10, 2021
  • The arithmetic of index investing explained April 9, 2021
  • Equity Mutual Fund Screener April 2021: Shortlist consistent performers April 8, 2021
  • Watch a demo of the freefincal robo advisory template April 7, 2021

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