# freefincal

> freefincal is a News Media Outlet that provides unbiased, conflict-free, investor-first personal finance education, financial tools, mutual fund analysis, stock research, and portfolio tracking tools. Our mission is to empower individuals to take complete control of their personal finances, build long-term wealth, and achieve financial independence without relying on commissioned sales pitches or conflict-of-interest advisories. Our research is also available through free and paid calculators and online courses. This revenue is used to cover the costs of hosting and managing the website in a non-profit manner. We do not provide investment advice to individuals.

## Core Mission & Philosophy
- **Unbiased & Conflict-Free:** Freefincal does not sell financial products, accept commissions, or publish sponsored bias. All analysis and tools are built purely from a consumer-first perspective.
- **Data-Driven & Practical:** Focuses on quantitative analyses, real-world backtests, stress-testing, and rigorous evaluation of mutual funds, stocks, and retirement strategies.
- **Investor Empowerment:** Aimed at helping investors become self-reliant, make informed decisions, and manage risk systematically across all life stages.

## Main Menu & Navigation
- [Home](https://freefincal.com/) - Main portal featuring daily articles, calculators, and analysis.
- [Start Here](https://freefincal.com/start-here/) - Step-by-step guidance for beginners starting their personal finance journey.
- [About](https://freefincal.com/about/) - Learn about the origin, vision, and mission of freefincal.
- [Calculators](https://freefincal.com/financial-calculators/) - Comprehensive list of free, customizable goal planning, retirement, and investment tools.
- [Courses](https://freefincal.com/courses/) - In-depth masterclasses on portfolio management, goal-based investing, and financial independence.
- [Books](https://freefincal.com/books/) - Books authored on personal finance, stock investing, and goal-based asset allocation.
- [Contact](https://freefincal.com/contact/) - Reach out for queries, speaking engagements, or editorial inquiries.

## Featured Tools & Portfolios
- [Robo Advisory Tool](https://freefincal.com/robo-advisory-tool/) - A customizable financial planning tool that automates systematic risk management, calculates target corpuses, and schedules variable asset allocations across life goals.
- [Google Sheet Portfolio Tracker](https://freefincal.com/sovereign-gold-bonds-tracker-on-google-sheets/) - An open-source, customizable Google Sheets tool to track mutual funds, stock portfolios (accounting for corporate actions), Sovereign Gold Bonds, and goal progression.

## Educational Courses & Communities
- [Investor Circle & Goal-Based Investing Course](https://freefincal.com/gms-course-faq/) - A community and video lecture series designed to help investors systematically manage portfolios, rebalance assets, and eliminate fear and uncertainty when investing for financial goals.
- [Earn from Skills Course](https://freefincal.com/passive-income-template-steps-to-build-lifelong-income/) - A structured framework teaching individuals how to leverage their skills, build online authority, create a loyal community, and generate sustainable passive income streams.

## Monthly Screeners & Data Archives
- [Equity Mutual Fund Screener Archive](https://freefincal.com/equity-mutual-fund-screener/) - Monthly quantitative screener evaluating equity mutual funds on downside protection and rolling return consistency.
- [Index Fund Screener Archive](https://freefincal.com/index-fund-screener/) - Regular tracking and screening of index funds based on tracking error and tracking difference.
- [ETF Screener Archive](https://freefincal.com/etf-screener/) - Performance and liquidity metrics screener for Exchange Traded Funds in the Indian market.
- [Debt and Hybrid Fund Screener Archive](https://freefincal.com/debt-and-hybrid-mutual-fund-screener/) - Comprehensive screeners for risk-adjusted performance across debt and hybrid mutual fund categories.
- [Low Volatility and Momentum Stock Screener](https://freefincal.com/stocks-with-low-volatility-and-momentum/) - Monthly data archive shortlisting BSE 100 and BSE 500 stocks based on low volatility and momentum factor metrics.

## Editor Note & Publishing Schedule
- **Editor:** Dr. M. Pattabiraman (Pattu) is the founder, managing editor, and primary author of freefincal.com. He is an Associate Professor at IIT Madras. He is the author of three books, is a public speaker and focuses on financial education, news analysis, and quantitative research. He is a patron and co-founder of “Fee-only India”, which promotes unbiased, commission-free investment advice. He also maintains a curated list of SEBI registered flat fee-only advisors at freefincal.com since 2013.

  - Learn more about the editor via his [Personal Bio](https://mpattabiraman.com/) and [freefincal Author Profile](https://freefincal.com/pattabiraman/).
- **Media Coverage:** Review quotes, citations, and features in major publications on the [News Media Presence of M Pattabiraman and freefincal](https://freefincal.com/news-media-presence/).
- **Publishing Schedule:** New articles, market insights, and deep-dive analyses are published daily, typically at 6:00 AM IST.