Freefincal was born this week five years ago. Given my tendency to move from one area to another, I am surprised that I have stuck around for so long. The only reason for that is the support from you - friends, readers and brilliant minds (that rhymes does it not?!) who have egged me on. A post to say thank you and a 'to do' list for the future.
Born as Free Financial Calculators (at one point, I thought of free only financial planning as a name - yuck!), it then quickly became Personal Finance Calculators and then simply freefincal. Thank god I choose my domain name wisely!
My evolution as a writer must be evident to old readers who still bother to take me seriously. From a lazy blogger who thought about nothing more than posting calculator links, I have gradually learnt about how investors think and tailored posts to discuss real issues that they have. I hope I have not descended into pornography in a attempt to get traffic.
Facebook Group Asan Ideas for Wealth (AIFW) has played a tremendous role in my education. I am not a people person and do not talk much (until I get on stage and then hell breaks loose). So I did not have an understanding of how investors think and act until I became active in AIFW (mid 2013 or so?).
One of my important achievements is to have become persona non grata among members of the financial services (finserv) community, especially mutual fund salesmen and large sections of the media covering finance. Yay!
This is of course because I have banged the drums about direct mutual funds and fee-only financial planning (SEBI registered). Thanks to you, the noise was heard and propagated. Also the support by an authority and trust figure like Ashal Jauhari (admin of AIFW and my partner in crime for the DIY investor meets) made a significant difference.
One key difference in my approach in the last year or so has been to stop responding to comments made by the finserv community against my stand. Investors are smart enough to recognise common sense when they see it and direct +diy or direct+ fee-only will slowly gain visibility.
Five years, Five million + views (which is not as impressive as it sounds), Two million+ visitors, Five -ebooks (free) and Two Books later (one getting ready to be shipped), this is how the yearly traffic distribution stands
Allow me to take this opportunity to illustrate an important aspect of logarithmic charts.
If I plot in log scale to make the 2012 data visible, I do so at the cost of exaggerating the 2017 (so far) stat. Although it is only about 50% of the 2016 numbers, it appears more in the log scale. Each approach as has its pros and cons.
And this is where they have come from. A not-so diversified portfolio.
So Google sends up to 50% traffic each day. This is the norm for most blogs.
This year the freefincal Q & A - where I answer questions each week - has been well received. I request readers to ask question that are not easy to find. This way I learn and can hopefully share it with others in the community.
Speaking of which, I am glad that the number of guest posts have increased. Calculator enhancements have always been user driven and I hope that will increase in the future.
Thank you all once again. Freefincal is not about "financial literacy" or any any other lofty/condescending goal. I see it as no more than a learning project. As of now, there is a desire to write more. But this is not my passion and I am waiting to transition when I hear the inner call.
A 'To Do' List
1: A free Robo advisory template - first in Excel and then on the web. Given myself a month to get this out for beta-testing.
2: I would like to talk to corporate gatherings. So in case you think your colleagues can benefit from a 45 min session, let me know. There is no fee, I just need my expenses covered if it is outside Chennai. Within Chennai, I just need a cup of coffee.
3: Create simulators for volatility management
4: Compile the evolution in our perception in a book. Perhaps I can call it Get Risk Quick and then watch it fail.
5: I have been saying this for months: Make more videos. At least once a week.
6: Discuss hand-on portfolio management with examples.
7: Anything else you have in mind?
Announcement: The hardcover of You Can Be Rich Too With Goal-Based Investing is available for ₹279 (30% OFF) at Flipkart. The Kindle edition(you can use the free app to read it). is available for only ₹90.74. The Google Play Store edition (read on PC/Tab/mobile) is also available for the same price. Grab them before the offer ends!
DIY Investor Meet at Kolkata 28th May 2017
OFFER: GameChange + Travel Training Kit
GameChanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want
is the new book hat discusses efficient money management solutions for everyone.
1) How to have a plan to quit as soon you start working and invest for it with minimal effort on auto-pilot.
2) How to manage expenses and time with minimal effort
3) Learn how to make that 4-day weekend in Thailand for 12k, plus travel to exotic locations at 50% lower budgets than what you did previously
4) Learn how credit cards can lower home loan payments and how to negotiate the fees associated.
5) Invest for financial freedom on auto-pilot! Pre-order now for ₹ 279 (₹249+ ₹30 for shipping)
Ultimate Travel Training Kit by Pranav Surya
A deep dive analysis into vacation planning, finding cheap flights, budgeted accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Your one-time decision to read it will impact the way you travel for decades. Get it now (immediate download) for ₹199
You Can Be Rich Too With Goal-Based Investing
is my book with PV Subramanyam.
- Ask the right questions about money
- get simple solutions
- Define your goals clearly with worksheets
- Calculate the correct asset allocation for each goal.
- Find out how much insurance cover you need, and how much you need to invest with nine online calculator modules
- Learn to choose mutual funds qualitatively and quantitatively.
If you have not yet got the book, check out the reviews below and use the links to buy.
Gift it to your Friends and Relatives whom you care more. Already follower of Pattu and Subra's forum. Ordered 4 more copies to give gift to my friends and eagerly waiting to read
The best book ever on Financial Freedom Planning. Go get it now!
Your first investment should be buying this book
The (nine online) calculators are really awesome and will give you all possible insights
Thank you, readers, for your generous support and patronage.
Amazon Hardcover Rs. 316. 23% OFF
Flipkart Rs. 279 30% off
Kindle at Amazon.in (Rs.90.74)
Infibeam Now just Rs. 319 21% OFF.
If you use a mobikwik wallet, and purchase via infibeam, you can get up to 100% cashback!!
Amazon.com ($ 3.70 or Rs. 267)
More information is available here: A Beginner's Guide To Make Your Money Dreams Come True!
What Readers Say
Subscribe to get posts via email
|You Can Be Rich Too With Goal-based Investing A book that can help you ask the right questions about money and find simple solutions. Comes with nine online calculator modules. Read more about the book and order now!|
GameChanger - Forget Startups, Join Corporate & Still Live The Rich Live You want Take that international trip at 50% lower costs! Optimise credit card usage! Set money management on auto-pilot! Read more about the book and order now!