In this article, let us discuss how much equity one should hold in an investment portfolio after early retirement and how will it differ from normal retirement. Equity exposure after retirement is a tricky business and requires careful consideration, the primary being, what is the retirees’ experience with capital markets? Today we have retirees mis-buying equity…
Continue reading →In this episode of how I increased my income, we meet a marketing associate who runs a dance school. Eager to try new things, she efficiently balances home, office, friends, family, and passion. About this series: We all appreciate the importance of a higher income but increasing our income is not easy. It requires time, effort,…
Continue reading →Here is a list of stocks with low volatility and momentum for October 2021 from the Nifty 100. You can also get the historical data from March 2019 to October 2021. We filter Nifty 100 for (1) positive 1-year return, (2) positive six-month return, (3) price > 200-day moving average, (4) 50% of daily positive…
Continue reading →These are the freefincal handpicked list of mutual funds for October-December 2021. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and was started in Sep 2017 for beginners to accompany the freefincal robo advisory tool. Most important! Plumbline is a mix of my opinions + skin…
Continue reading →Neeraj asks, “Dear Pattu Sir, are we in the middle of the biggest bull run in the history of the Indian stock market? If we look at the market momentum since March 2020, it seems to be the sharpest increase ever seen. Can you please let me know if I am right?” When I first…
Continue reading →In this edition of the reader story, we meet Vamshi and learn how he created his own financial plan with a conservative mindset. I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. This is the 19th such reader audit. Previous editions are linked at the bottom…
Continue reading →Subbiah asks, “Dear Pattu Sir, ICICI Pru NASDAQ 100 Index Fund will be available for investing from next week (NFO period is from Sep 27 to Oct 11 2021). Can we buy this instead of MO Nasdaq 100 FOF or Kotak Nasdaq 100 FOF as it is a simple index fund?” ICICI Pru NASDAQ 100…
Continue reading →The strong bull market after the March 2020 market crash has been a gamechanger for anyone who had significant equity exposure for the last two years or so. See for example this reader-audit: My net worth doubled in the last financial year thanks to patient investing! As regular readers may be aware, I had close…
Continue reading →Mani asks, “Assume I have 10L in my corpus at the retirement age of 60 based on some NAV value of X. By the time I reach 60, assume there was a market crash and NAV for NPS has fallen drastically by 20%. So I choose the deferment option. After 3 yrs, the market is…
Continue reading →This is my monthly retirement stock portfolio analysis compared with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. Before we begin, investors need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of financial independence and ensuring…
Continue reading →We have an incredible rag to riches story in this episode of “how I increased my income”. If ever we needed proof that it is possible to change our social station by grit, sacrifice and perseverance, this is it. About this series: We all appreciate the importance of a higher income but increasing our income…
Continue reading →This is a debt mutual fund screener for fund selection, fund portfolio tracking and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile…
Continue reading →Anand has an interesting question, “Dear Pattu Sir, I was looking to invest in a mutual fund offering regular dividends* but I can only see the returns of the growth option listed everywhere. Can you please explain why dividend option returns are not published?” * SEBI has mandated that mutual fund dividends be called “Income…
Continue reading →A young reader writes, “Hi Sir, I’m 27 years old, recently finished my PG & earning 1.2 Lakhs per month post-tax. Using my first few months salary, I have paid off my UG education loan & a property loan. I have to start paying my PG loan EMI of 35,000 per month from Oct”. “Currently,…
Continue reading →In this edition of the reader audit, we meet Shrawan, a computer science engineer working in IT since Sep 2012. He explains how he adopted a goal-based investing approach and utilised the current bull run for pruning his mutual fund portfolio. I am grateful to readers for sharing intimate details about their financial lives for the…
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