My Personal Finance Influencers

A list of people, who through their work and sayings, have had a lasting influence on my life.

 Manish Chauhan

Not the Manish of ‘team’ Jagoinvestor.com that you see today, but the Manish of yore, when Jagoinvestor was a fledgling.  When articles were written for DIY investors.

I learnt about asset allocation, rebalancing, how to make retirement calculators and much, much more from there.

It is unfortunate that articles like these are unlikely to be written there anymore.

I think Manish is one of the very few individuals genuinely interested in financial literacy.

Example: He shared the list of fee-only financial planners in India on Facebook, though he was not listed in it.

His best quality is his ability to take criticism on the chin. In my opinion, Jagoinvestor is what it is today, primarily because of this attribute.

P V Subramanyam

I have neither the patience, nor the intelligence to understand his sarcasm.  Much of what he writes, I ignore.  Occasionally he says something that is mathematically precise and easy for me to understand.

He taught me the importance of standard deviation, reversion to mean, importance of not maxing PPF at an young age and to be wary of the NPS.

He once wrote a comment at Jagoinvestor criticising DIY investors for not understanding anything about post-retirement investment strategies like laddered annuities and few others I forget now.

That one comment had a lasting influence on me. All the post-retirement calculators that are here today originate from that one comment.

Today he is my biggest promoter (many of my readers originate from his blog) and my fiercest critic (each time he does not agree with my posts I get a call or a message. Safe to say, it would be forthright, followed by several ideas for calculators!)

Many of the calculators here originate from him.

Mar. 13th 2013 is an unforgettable day in my life. I received the biopsy report on a tumour in my thymus gland which was removed. A visit to the oncologist confirmed that the tumour was benign and nothing further need be done. When I came back home, this post by Subra was in my inbox: The calculator king is here!

I am indebted to him for his generosity.

M V Satyanarayana

He was my teacher and is now a colleague. We were talking about why some middle-aged scientists were unhappy and frustrated. His response made me think about my financial life holistically.

He said, these people realise that their income is not going to increase beyond a certain level in life and that they will never be able to buy the house they want, or live the lifestyle they want. Hence the frustration.

That very day, I started an excel sheet in which I projected my income until retirement and found out if I could invest enough for all my long-term goals. I maintain that sheet to this day

Jim Otar

Jim Otar is an engineer turned financial planner. He runs an advisory site, retirementoptimizer.com and is the author of the book, ‘Unveiling the retirement myth’.

His writings – the book and other articles in his site –taught me how to understand market volatility during the accumulation and distribution (post-retirement) phases in life. He believes in ‘preparing for the worst’, something I too believe in.

Ashal Jauhari

Needs no introduction to most readers. I first interacted with him, when I asked in the Jagoinvestor forum, ‘when to quit a good performing mutual fund?’. You can estimate how much I knew about mutual funds at that time!

He has a unique way of explaining complicated stuff to newbie’s and is an expert on taxation .. among other things!

Likes to state that his answers are non-mathematical in nature, but in reality, they are clinically precise!

Has enormous patience and resilience while handling questions. Something I admire, but can never imitate.

My pet peeve about him: Is too diplomatic with everyone. Especially with those from financial services!

Read his interview: Interview with Ashal Jauhari: Relentless Financial Awareness Activist

Runs an extraordinary facebook group, Asan Ideas for Wealth.  A very good reason to get on Facebook, if you are not on it!

Ramesh Mangal

Interacted with him first on the Jagoinvestor forum. I can’t exactly place the first time we interacted which is a pity. I can however guarantee that it would have been a comment in which he would have either been critical of me or someone else!

He has extraordinary analytical abilities and has an excellent understanding of long term investing, mutual funds and portfolio management. The post on Ulcer Index analysis originates from one of his emails.

Loves anonymity, can be quite forthright, and hates to suffer fools gladly.

He can punch deep holes in your theory and make you think like no other.

Itching to post more relevant links about him here but will limit myself to these:

Thank you everyone.  “What I owe you is beyond evaluation” – Lawrence of Arabia (1962)

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman is the co-author of two books: You can be rich too with goal based investing and Gamechanger. “Pattu” as he is popularly known, publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners. Contact information: freefincal {at} Gmail {dot} com He conducts free money management sessions for corporates (see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints.

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Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.
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You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first 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 WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second 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

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Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget 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.  Get the pdf for ₹199 (instant download)

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Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.
Updated: September 4, 2018 — 9:57 am

35 Comments

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  1. Dear Pattu,

    Many thanks.

    I discovered your blog last week and was really fascinated by the articles. This is specially true for the MF analysis which has helped me to evaluate mutual funds on my own with much confidence rather than depending on any website for the evaluation. On top of this , just to believe that you are doing this for free. This is AMAZING!!!!

    Thanks once again.

    Regards

    Banerjee

    1. Thank you very much for your kind generosity. You made my day!

  2. Dear Pattu,

    Many thanks.

    I discovered your blog last week and was really fascinated by the articles. This is specially true for the MF analysis which has helped me to evaluate mutual funds on my own with much confidence rather than depending on any website for the evaluation. On top of this , just to believe that you are doing this for free. This is AMAZING!!!!

    Thanks once again.

    Regards

    Banerjee

    1. Thank you very much for your kind generosity. You made my day!

  3. Dear Pattu, I'm speechless for putting me in the league of such extra ordinary gentlemen. I'm just learning the things and in the process trying to share and learn. Learning is in sharing and sharing is in learning my Mantra.

  4. Dear Pattu, I'm speechless for putting me in the league of such extra ordinary gentlemen. I'm just learning the things and in the process trying to share and learn. Learning is in sharing and sharing is in learning my Mantra.

  5. Here is my list

    1. Subra :- Got shocked when I first read his blog. Started thinking about personal finance only after that.

    2. Pattu :- One of Subra’s post mentioned about you blog and I landed here. I will not say nice calculator’s but I would like to say World Class calculators. Once I wanted to study in IIT but because of some personal reason that didn’t happened but I am happy that I am learning personal finance from IIT professor.

    3. Manish.

    4. Ashal :- I heard his name in JagoInvestor forum when someone posted “where is Ashal Jauhari”.

    1. Thank you very much, Mohit. I am flattered. Only the student matters, not the institution.

    2. Dear Mohit, thanks for searching me from the said query. 🙂

      thanks

      Ashal

      1. Dear Ashal, I have done favor for myself for searching you 🙂

  6. Here is my list

    1. Subra :- Got shocked when I first read his blog. Started thinking about personal finance only after that.

    2. Pattu :- One of Subra’s post mentioned about you blog and I landed here. I will not say nice calculator’s but I would like to say World Class calculators. Once I wanted to study in IIT but because of some personal reason that didn’t happened but I am happy that I am learning personal finance from IIT professor.

    3. Manish.

    4. Ashal :- I heard his name in JagoInvestor forum when someone posted “where is Ashal Jauhari”.

    1. Thank you very much, Mohit. I am flattered. Only the student matters, not the institution.

    2. Dear Mohit, thanks for searching me from the said query. 🙂

      thanks

      Ashal

      1. Dear Ashal, I have done favor for myself for searching you 🙂

  7. Guess many of us would mention your name at the very top if someday we draw up a list similar to this. The work that you have been doing is amazing as well as truly inspiring. Thanks for all of these and please continue the good work.

    1. Thank you very much. I appreciate your support and encouragement.

  8. Guess many of us would mention your name at the very top if someday we draw up a list similar to this. The work that you have been doing is amazing as well as truly inspiring. Thanks for all of these and please continue the good work.

    1. Thank you very much. I appreciate your support and encouragement.

  9. sorry for the late response. Missed your comment. I fully understand your stand and support. From time to time people like me who you have helped must remind themselves and others about your role. Thank for very much for all your teachings both direct and indirect.

  10. sorry for the late response. Missed your comment. I fully understand your stand and support. From time to time people like me who you have helped must remind themselves and others about your role. Thank for very much for all your teachings both direct and indirect.

  11. Pattu,
    I am fan of u ,manish and subra, wont miss a single day to visit the blog.
    I am thankful to manish as well whos blog I am following from more than 4 years

  12. Pattu,
    I am fan of u ,manish and subra, wont miss a single day to visit the blog.
    I am thankful to manish as well whos blog I am following from more than 4 years

  13. Hi Sir,
    This is truly an amazing post, more than the people you have paid your tributes to, the way you have put it takes the cake. Especially liked the candid note on Subra’s blog!

    Someday would like to hear from you on how you got interested in excel to this level and how you find time to bring out these calculators that are nothing less than the work of a goldsmith… beautiful works of art that they are… Thank you.

    1. Many thanks, Jay. My interest in Excel just happened. Not sure when or how. Will write a post about the origins of freefincal soon.Thanks

  14. Hi Sir,
    This is truly an amazing post, more than the people you have paid your tributes to, the way you have put it takes the cake. Especially liked the candid note on Subra’s blog!

    Someday would like to hear from you on how you got interested in excel to this level and how you find time to bring out these calculators that are nothing less than the work of a goldsmith… beautiful works of art that they are… Thank you.

    1. Many thanks, Jay. My interest in Excel just happened. Not sure when or how. Will write a post about the origins of freefincal soon.Thanks

  15. Checkout BillionairesBrain.com, you'll defitnitely like this.. ..a must have for every entrepreneur

  16. Checkout BillionairesBrain.com, you'll defitnitely like this.. ..a must have for every entrepreneur

  17. I was an Engineering student & landed with a Job in a Govt Telecom Company. I had no interest in Finance & Savings & Investments & Future Goal Planning till 2012. Rather I would say, I had no clue/idea regarding Personal Finance, Future Goals, Retirements, Savings & Investments. Till I got a job I just knew I would get a Salary, I will save/invest (Park my money in PPF or LIC Plans) just for saving TAX and rest I will spend on Food & Life Style. At that time (2010-11) who cares about Retirement! One day in office one of my colleague was calculating the EPF corpus and calculated that we would get some 1.2 Cr in EPF at Retirement & My thoughts were like WOW I will get a Crore in PF and that would be too much for my Retired Life. I am a Science student with 100% Marks in Mathematics in 12th Standard and was such a DUMB that I didnt even realised/calculated about Inflation & Magic of Compounding!! I bought my 1st LIC on Feb 2011 (my First year of Service) for a premium of 60,000 just to save TAX without knowing its future and results. Later I got some habit of direct Trading in Stocks with my un-spend money (spare money as I thought that time) and lost my Hard Earned Money a couple of Lakhs in that Worst habit (which I realised soon after the Loss). A Year passed like this until I came across the blog Jagoinvestor.com & an article regarding Personal Finance at Jagoinvestor. Somewhat it opened my eyes and thought about Savings & Investment, and immidiately I made my KYC and started investing in MF through SIP with some part of my Salary. I cancelled the LIC (I stopped paying Further Premiums) and started investing in ELSS for Tax Saving. Till then I was not aware of Goal Planning & Retirement. I started reading Jagoinvestor and its Articles and the different queries & Answers. Somehow through a Jagoinvestor post in 2012( or 2013 I dont remember!) I came across FreeFincal.com and one calculator (I dont remember the Name! It was Macro based Excel Tracker). I downloaded the excel and tried using it but failed. Why? It was a Macro based excel sheet which needs to enable Macros. To note: In 2012, I had no good knowledge in excel and I did not know what Macro is and how to enable it. Hence I deleted the EXCEL!! Again I was such a LAZY n DUMB! I didnt even tried to google about Macro. LOL! I continued reading Jagoinvestor Forum about Mutual Funds, Equity, Share Market & the Q&A section etc etc. Still then I didnt know about (I have no understanding about) Goal Planning and Retirement. It was 2012, I just invested in MFs (increased my SIPs and the Number of Funds) only for my Marriage to be held on 2015. I came across Valueresearch and starting using their My Portfolio Segment. It was a charm for me, Free!
    Now in 2015, due to my Job/Work, somewhat I was familiar in excel and now luckily I know about Macros. End-2015 arrived, I had saved quite good amount of money which was sufficient for my Marriage (Luckily Equity Zoomed till then and all my investments were in Green and in TWO digit CAGR! Thanks to Modi Wave), I got married and Majority of my Savings & Investment were redemed (except the ELSS and the one with less than a year) and spent on it.
    In Dec-2015, I came across the Group Asan Ideas for Wealth in FB and Mr Ashal Jauhari (I remembered this name, he used to answer majority of the queries in JI Forum, was one of them who answered one of my query) and its posts/articles and simultaneously Mr Pattabiraman Murari and again the FreeFinCal.com. Now I was Lucky! I started reading the articles of both AIFW and FreeFinCal and somehow I downloaded the “Integrated Financial Planning Calculator” the latest updated one. I was shocked with the Numbers!! It was like an Heart Attack for me. I started reading and verifying the numbers. For hours I spend on internet with the financial blog and its articles. Its all about Inflation & the Magic of Compounding. Saving, Asset Allocating, Investing, SIP, Rebalancing and KISS. Till now I have gained a base knowledge regarding Visualizing of Goals, Preparing for it, Investing and specially about Retirement.
    Sir, Had I not come across your Calc I would have not known the importance of Retirement & Goal Planning and its impact. I will be ever grateful to you my entire life for teaching me discipline in finance. Gradually I am learning more and hopefully one day I could be a disciplined investor. You are my biggest Inspiration & Influencer and will remain my all time HERO n GURU. You are like a God to me who saved me from drowning. I dont have words to Thank You. I wish you could Succeed in Teaching the Youth of India like Me the importance of Personal Finance.
    My Influencer are:-
    1. Sir Pattabiraman Murari & FreeFinCal.com
    2. Jagoinvestor
    3. Ashal Jauhari
    &
    4. ValueResearch

    1. Thank you for your kind generosity. When the chips are down for me, I will read your comment to get motivated. Best wishes.

      1. I didn’t understand your comment!

        Before clicking the send button, I didn’t knew my comment is such long! Too big to read! Pardon!

        1. I just said thank you and I will go back to you comment if I feel down.

  18. Deivame! Sorry, Deivangale! Neeveer vaazhga vaazhga! 🙂

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