Download Re-assemble e-book on our 6th birthday

Published: May 24, 2018 at 10:05 am

Last Updated on

Freefincal was started on May end 2012. So this is its 6th birthday and to mark the occasion I have compiled the post in the Re-assemble series into a pdf e-book. Re-assemble is a series of basic money management steps for beginners and young earners that was started in Nov 2017. Do share it with others if you find it useful.

The journey from 2012 to 2018 has been nothing short of extraordinary – personally and professionally. Freefincal via its readers has exposed me to how diverse human behaviour can be. I continue to learn about finance, web usage trends, SEO, social media, managing a website and online visibility.

Let me begin by first thanking you, the reader. Without your support, I would have stopped writing years ago. Not only did you regularly read the nonsense I churned out, you used the calculators, told me how to make them better, made it better yourself and constantly gave me new ideas to write about.

Perhaps it is hard for you to believe but every time I feel worthless, I would receive an email from one of you stating that freefincal has a made a difference in your life,  the same day. That would instantly deflect me off that dark corner. As mentioned in the movie, Julie & Julia – blogging is like a regimen they teach at alcoholics anonymous. That is exactly how I see – a productive way to pass the time …. in between meals. Freefincal has nothing to do with financial literacy or financial awareness. God, I find those terms repulsive. Runaway from anyone who wants to spread those – yuck!

For those interested, (reasonably) detailed website analytics (via Google) is available at similarweb. Here is a snapshot. In 2017, a little more than one million people had visited the site (including repeat visitors) and viewed the content a bit more than 2 million times. In 2014 , it was 2 lakh visitors and half a million views. That is decent growth and reasonably good, steady traffic, and this is how they usually come:

It is a matter of great pride that freefincal has very good “direct” viewership share. Traffic from Google is important but that is all it is -mere traffic. Direct visits imply reasonable brand identity. Focussing on SEO is important but it only means you are advertising your shop well. Direct traffic implies folks like the product and are repeat customers. As a site owner that is what is most valuable.

There is a difference between writing content that people are searching for and writing content that people should be reading. Pompous as this may sound, this is what sets freefincal apart and is possible only because you have supported it. If no one cared, it would have died long ago.

I am happy 10% of views come from email. In this age of social media, email is considered a private mode of online communication and I am honoured people do not mind emails from me. Push notifications are also rapidly catching on. If you are blogger and member of FB group Asan Ideas for Wealth, notice that only 5% traffic comes from FB (including my timeline and site page). So don’t take that group seriously. In the whole wide scheme of things, it means nothing. I spend time there because I am stupid and because it helps me learn real-life problems, not for the traffic.

For the same article, I have received feedback that “I have made things extremely easy to understand” and “I don’t understand what you are trying to say”. It takes all kinds to make the world. I cannot change my style. I can only write like I can write. I am thankful to those who get it. Those who don’t get it should probably look elsewhere.

Only about 20%-25% of people who read an article actually read up to the end. Even here, I know many who skip the math and go to the conclusions. I would wager that only 10% of that 25% would understand what I am trying to say. So don’t get any ideas about “my popularity”. Conclusion: it does not take much to motivate me!

Plans for the future

  • I need to make more videos.
  • Write more about post-retirement market risks
  • Write more about health, parenting and lifestyle
  • Tactical asset allocation
  • Conduct more employee/reader seminars
  • Write more on stock selection strategies. Is it possible to come up with a plumbline for stocks is something that I am actively considering (I don’t know the answer)

I look to your feedback with regard to real problems that many people face. Always a good topic to write about.

Download Re-assemble e-book


Step 1: Listing your goals dreams and nightmares

Step 2: Lay the Foundations to Get Rich creating an emergency fund

Step 3: How to buy Term Life Insurance

Step 4: How to choose a suitable health insurance policy

* Apollo Munich Optima Restore Benefit vs Max Bupa Re-fill Benefit 

* Star Health Comprehensive Insurance vs Religare Care Comprehensive Insurance

Building a health insurance comparison chart + Cigna TTK vs Royal Sundaram Health Policies

Join our 1300+ Facebook Group on Portfolio Management! Losing sleep over the markt crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community

How to buy a Super Top-up Health Insurance policy

How I selected a health insurance policy

Why we all need a corpus for medical expenses and how to build it

Step 5: How to select a credit card for maximum benefit

Step 6: How to track monthly expenses and manage them efficiently

Step 7:  How to close your loans and live debt-free

Step 8:  How to buy a personal accident insurance policy

Step 9: Are you ready to let go and let your money grow?

Step 10: Investment planning case study 1: How to create an investment plan

Step 11: Case study 2: Retirement planning for 27-year old Amar

Step 12: Three Key Factors that decide how we achieve our financial goals

Step 13: How to start investing in equity?

Step 14: What should be my first mutual fund?

Step 15 (not part of this e-book) *: 

(old) How to select an equity mutual fund in 30 minutes! 

(New) How to select mutual funds after the SEBI categorization rules

Step 16: How to buy a house with a home loan: Tips to maximize benefits 

Step 17: How to reduce risk in an investment portfolio

Note: * Mutual fund selection has become bit difficult after a reshuffle of fund categories by SEBI. Hence, I have decided to leave out step 15 from this compilation. Young Earners and beginners may instead choose from my hand-picked mutual fund list: PlumbLine

Download Re-assemble (and don’t forget to share this post with your friends!)

Do share if you found this useful
Join our 1300+ Facebook Group on Portfolio Management! Do not lose sleep over your bleeding portfolio: Learn how to reduce fear, doubt and uncertainty while investing for financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community

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About the Author

Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

About freefincal & its content policy

Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. We operate in a non-profit manner. All revenue is used only for expenses and for the future growth of the site. Follow us on Google News
Freefincal serves more than one million readers a year (2.5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication.Freefincal does not publish any kind of paid articles, promotions or PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)

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Our Publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingThis book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format.

Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want

Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

Your Ultimate Guide to Travel


This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when traveling, how traveling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for Rs 199 (instant download) 

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  1. thank u sir. and a happy birthday to freefinacle … you sir have made my life turn around which was headed in no direction.
    sir, there is inuf about need for term plan . but i wud like ur take on .. what to do when u get the term plan payout. how to handle it emotionally and financially .. for the need of the family.

  2. Dear Pattu Sir, Thank you very much for the great eBook as a birthday complement of Freefincol. ..Many more happy returns of the day for FF.

  3. Hi, I can feel the emotions in this post and know its a special place in your heart. I am a direct convert to your website, I came upon your blog while searching for some calculators, and then I am hooked. I have book marked your page and I make it a point to visit it atleast 1-2 times a week. I feel emotionally connected with the way of your thinking and the approach to life. Some of the concerns you are raising – health costs for retired people, costs of supporting sick family members, all of this show the human – personal side. I thought finance/accounts is a clinically cold subject but you have an ” art” of bringing human aspects alive and that’s what attracts me to your blog. I hardly read something similar and therefore yours is my window to financial world. May god give you enough strength to continue more writing and hope to see your writings till I retire !

  4. Dear Sir,
    You are performing a wonderful service by your books to educate the lay person. I would request you to kindly publish the same in epub or mobile format as it would be easier to read in the small smart phone screen

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