Freefincal turns Five!

Published: May 25, 2017 at 10:02 am

Last Updated on

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?


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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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You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingPublished by CNBC TV18, this 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.
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