Interest in passive investing has increased in India over the last few years. This trend was driven by perceptible outperformance: first was the increase in interest in Nifty Next 50 – as usual after the index started moving south in 2018. Then in the Nifty and Sensex as they were held up by a few…
Continue reading →Over the past few years, freefincal has regularly reported how hard it has been for Indian fund managers to beat the Nifty/Sensex and the Nifty Next 50. Did you know that 582 US large cap mutual funds have outperformed the S&P 500 over the last ten years! In this article, we present some results from…
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 the requirement of 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…
Continue reading →Swarup asks, “I am a salaried employee for 8 years, having good pay. Due to a lack of knowledge, I never invested in MFs. I do not have a goal yet. But I want to maintain a 50-50 asset allocation. For 8 years, I have put money in FDs mostly. Now I have started investing…
Continue reading →If you are actively following the financial news nowadays, you might have read that ‘US Bond Yields Rising’ and that this is causing the volatility that we see currently in the Indian Stock Market. This article will try to understand what US Bond Yields are, why they are rising, and how exactly it affects the…
Continue reading →One year ago, on March 23rd 2020, the stock market stopped falling in fear of the global economy coming to a standstill due to the pandemic. From Feb 18th 2020 to March 23rd 2020, the Nifty fell by 36.5%. On March 23rd 2020 we saw the biggest intraday fall 0f 13.5%. The 10-year Nifty SIP…
Continue reading →This is a review of ICICI Prudential Nifty Low Vol 30 ETF FOF, an open-ended fund of funds scheme investing in ICICI Prudential Nifty Low Vol 30 ETF. We try to answer two main questions that investors should ask before considering an investment in this FOF. They are: 1: Does low volatility investing work? If…
Continue reading →HDFC Bank has been a favourite investment for a lot of investors in the Indian equities – be it Retail Investors, Fund Managers, FIIs, or DIIs. And, with good reason too. HDFC Bank has outperformed almost every bank in India in terms of stock price performance. An analysis. About the author: Arjun Budhraja is an…
Continue reading →It is now a little over a month since the release of my new book for kids “Chinchu gets a superpower!“. Here is what parents have to say about it 🙂 What do readers say? I loved the way you carried the discussion forward. I just have two words – Structured and Free Flowing. Great…
Continue reading →My favourite Twitter bio is actors Kevin Hart’s: “My name is Kevin Hart, and I WORK HARD!!! That pretty much sums me up!!! Everybody Wants To Be Famous But Nobody Wants To Do The Work”. You can replace the “be famous” with “make more money”, which would still be true. Another reality is, among the…
Continue reading →A sentiment that has gained popularity after the Franklin debt funds fiasco is, “avoid all kinds of risk in debt funds”. Now I notice investors preferring liquid funds even for long-term goals stating they cannot tolerate any NAV fluctuations. Does it make sense to use such short-term funds like liquid funds even for long-term goals?…
Continue reading →If I have multiple goals likes retirement, holiday, 1st child’s college fee, 2nd child’s college fee etc., can I use the same mutual fund for all of them, or should I invest in separate mutual funds? A discussion. We have to pull out the “it depends” card for this one. Also, which approach is “simpler”…
Continue reading →I get at least 2-3 emails each day from investors asking me to create a financial plan for them. They have no idea whether I offer such a service or not (I do not); they do not know the fees associated with it but are ready to pay. I laugh when I hear people say,…
Continue reading →This is a question that we have received several times in the last few months: Since NPS (National pension scheme) is a low-cost product, can we use it as an index fund. Typically people wish to use Tier II this way since it has no lock-in. A discussion. First, the basics. NPS Tier I and…
Continue reading →Let us consider the possibilities for an interesting question from Akash received a while ago. “It will take me 10 years to reach my asset allocation goal of 50% equity and 50% fixed income. Can I reduce this time by withdrawing whatever I can from PPF and invest in equity mutual funds? I shall also…
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