Everyone instantly recognizes rental income as passive income – potentially the oldest one. There’s an irresistible allure to real estate, which naturally leads to inquiries about its potential use as a source of passive income, especially after retirement. We discussed how passive income is crucial to your retirement plan and how to build the ideal…
Continue reading →A reader wants to know, “Which debt mutual funds are suitable for short-term and long-term goals?” A discussion. A related question is whether debt funds are still relevant as there is no tax advantage compared to fixed deposits. Yes, debt funds are still relevant because they are necessary for rebalancing a portfolio. Also, unlike FDs,…
Continue reading →In this article, we profile the Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Edelweiss Short Duration Index Fund for short) and discuss who should invest in it. Edelweiss Short Duration Index Fund is an open-ended debt Index Fund investing in the constituents of CRISIL IBX 50:50 Gilt Plus SDL Short Duration…
Continue reading →Retirement planning is a life-long exercise. Ideally, it lasts from when we draw our first salary/income to when we (or the surviving spouse) draw our last breath. During this journey, there are several stages. Each stage teaches us something new. Here are some of these stages. This could vary from person to person. This listing…
Continue reading →We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files available. (1) Stocks with low volatility and momentum from the BSE 100 large cap universe are available as a separate file (2) Stocks with low…
Continue reading →We have revamped our Automated Stock Analyser with the Earnings Power Box Valuation Model. This was introduced by Hewitt Heiserman, Jr, in his book, “It’s Earnings That Count: Finding Stocks with Earnings Power for Long-Term Profits”. History: Srivatsan, a regular contributor at freefincal, introduced me to this model and incorporated a simple way to compute…
Continue reading →This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also spot NPS schemes with a higher return than a benchmark at a lower risk. This is similar in design to the freefincal Equity Mutual Fund Performance Screener. Inside, you get discounted links to our robo advisory tool and…
Continue reading →We have recently discussed the revival in investor interest in Nifty Next 50 – Nifty Next 50 outshines Nifty 50 by 41% – Time to buy? As pointed out, in 2018, many investors started investing in Nifty Next 50 index funds only to be frustrated by its performance over the next five to six years. Over…
Continue reading →This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of…
Continue reading →Over the past few weeks, more and more investors have asked us, “Is this a good time to invest in a Nifty Next 50 index fund?” A discussion. The revival in interest is because of recent outperformance. Over the last year, Nifty Next 50 outperformed Nifty 50 by 41%! Long-term readers may know that we…
Continue reading →The cost inflation index for the financial year 2024-2025 is 363 – an increase of 4.31%. We compile 44 years of cost inflation index data to understand the devastating consequences of inflation and why our singular focus should be on beating inflation for our long term goals. The cost inflation index (CII) is not a…
Continue reading →In this edition of the reader story, we have a success story of resilience and smart investing. How a 44-year-old managed to attain a net worth of Rs. 8.5 Crores or the equivalent of a million USD by working only in India. This article was first published as a thread on the Facebook Group Asan Ideas…
Continue reading →A reader says, “Where do you get the data for your analysis discussed in this video? Index Investing In India TNIA Talk Part 2. I also want to make a similar analysis. Where can I get it? Can you please share the website?” This list of free data sources can be used for DIY investing and…
Continue reading →A frequent criticism by those who encounter freefincal articles or videos is, “This guy is very pessimistic about equity investing”. I also often get asked why that is the case. Please allow me to explain. There is a difference between lack of faith and pessimism. If I lack belief in equity, I will not go…
Continue reading →In this edition of the reader story, we have an account of how a 55-year-old who retired recently securely draws an income and manages spending. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of the previous editions are linked at the bottom of…
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