Last Updated on January 25, 2025 at 10:02 am
This is a compilation of frequently asked questions about the freefincal robo advisor tool. It allows you to plan from start to finish for retirement (early, normal, before and after), non-recurring financial goals (child education) and recurring financial goals (holidays, appliances, etc.).
The tool would help anyone aged 18 to 80 plan for their retirement, six other non-recurring financial goals, and four other recurring financial goals with a detailed cash flow summary.
More than 2500 investors and financial advisors are using the tool. The tool was featured in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators.
Basic info: The robo tool is a one-time purchase and acess it forever! All future updates will be sent to you as and when available!
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1. Can I use the tool on Mac OS? Yes. There are two options. If you have Mac Excel installed, you can use the Excel edition of the robo tool. If not, you can use the Google Sheets version.
2. Will it work on Mac Numbers? No. It has macros, and they won’t work on Mac Numbers.
3. What is the difference between the Excel and Google Sheet Editions? They are identical in functionality. So you can use either edition. The only difference is the Google Sheet edition runs scripts a touch slower than Excel as it is done on the cloud and not locally on your system.
4. Can I change all inputs? Yes. You can customise all inputs.
5. Can I use the tool to create financial plans for my clients? Yes, you can.
6. Can I look at the Excel Macros or Google Sheet Scripts? The Excel Macros are password-protected to prevent accidental changes. The passwords are available on request. There are many macro password removal services online. You can use those as well! The Google Sheet Scripts are not password protected.
7. Will I get the Excel edition if I pay for the Google Sheets edition or vice versa? No. You only get the edition you paid for.
8. Are all future updates free? Yes!
9. What kind of support do you offer? The product page has a video walkthrough of the sheet. It is self-explanatory and easy to use; almost all our users never need support. We will answer any specific questions or doubts about the sheet. We will not look at your inputs and offer investment advice
10. How do I contact you? letters[AT] freefincal [dot] com
11. Can I include my pension and rent while planning for retirement? Yes, three income streams after retirement can be included.
12. Can I include dividends as an income source? Yes, you can. Be conservative, though, as it is not a guaranteed income source.
13. Can I factor in an increase in the income source? Yes you can. You can also define for how many years you will get the income.
14. I have financial goals that occur after retirement. Can the robo tool handle this? Yes, it can.
15. I am already retired. Is the robo tool useful for me? If most of your investments are pension or income sources, it will not be useful. If you have a corpus partly in equity and partly in fixed income (in any mix), you can use the tool to find out the optimal bucket strategy for you.
16. Can I change the automated asset allocation recommendation provided by the tool? Yes you can!
17. Can I test the tool before buying? Sorry, no.
18. I am student or a young professional. I cannot afford the tool. Can you please give me a discount or give me the tool for free? Sorry, no. At that stage in life, you don’t need the tool anyway. Keep things simple and don’t buy complicated products.
19. Will the tool tell me where I should invest? It will recommend asset allocation and product categories. Product (in particular MF) recommendations are here: Handpicked List of Mutual Funds (PlumbLine).
20. Can I track my portfolio with the tool? No. This is a planning tool. For tracking, you can use our Google Sheets MF and Stocks Tracker.
21. Can I review my portfolio each year with the tool? Yes, you can. See: How to use the freefincal robo advisory tool to track the progress of our financial goals. You can also use our dedicated portfolio audit tool.
22. I have lost the file I purchased a few years ago, do I have to pay again? No! Send us an email (from the email used in the purchase) and after verification we will send you the file.
23. I have not received any updates. Will I get the latest version if I contact you? Yes!
Get the robo tool by paying Rs. 5625 (Google Sheets edition; Instant Download. No refunds allowed). Use the discount code: robo25
Use this link to get the tool to get the Robo Advisory Template Excel Sheets Edition at a 20% discount for Rs. 4500 only (the regular price is Rs. 5625). Use the discount code: robo25 (this will work on Mac and Windows Excel)
Outside India? Then use this Paypal link to pay USD 80 (Kindly write to freefincal [AT] Gmail [DOT] com after you pay).
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About The Author
Dr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter(X), Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! ⇐ More than 3,000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market condition is!! Watch the first lecture for free! One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
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