Many readers keep asking variants of this question: How should I design my fixed-income portfolio after Budget 2024? The answer is quite simple. Always follow a simple thumb rule: Saving tax is NOT a priority. Diversifying portfolio risk is THE number one priority. This has to be done regardless of tax rules. So we do…
Continue reading →DSP is launching an index fund and ETF tracking the Nifty Top 10 Equal Weight Index. We look at the features of this index and discuss if it makes sense to invest in these new offerings. The Nifty Top 10 Equal Weight Index tracks the performance of the top 10 stocks based on the 6-month…
Continue reading →In this edition of the reader story, we have a sequel to My Journey to a Ten Crore Portfolio. Arun digs deep and shows us how long it took for his portfolio to increase by one crore to a 15 Crore portfolio today. About this series: I am grateful to readers for sharing intimate details about their financial…
Continue reading →While recording an episode for the Let’s Get Rich With Pattu Podcast, a question that naturally emerged was, “Can I bet on the India growth story and invest in equity?” The question discussed in the podcast has been covered here: What is the probability the Indian equity market will perform well in the long term?…
Continue reading →This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is…
Continue reading →Equity savings funds are recommended as a tax-efficient alternative to debt mutual funds. This is more so with the debt fund units purchased on or after 1st April 2023 taxed as per slab regardless of the holding period. See, for example, the new debt fund tax rule: How do I change my investment strategy? What…
Continue reading →It is concerning that many casual and oversimplified pieces of advice are seen floating regarding real-estate investments on social media. I am not a legal professional, but I have been involved in many property issues and thought of sharing some of my experiences here. This is not a recommendation of equity over real estate but…
Continue reading →In this edition of the reader story, we once again meet a software engineer we met three years ago when he started goal-based investing. Now his portfolio has just crossed one crore. 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…
Continue reading →A reader says, “I have been trying to get information on how to invest in Index Funds but could not find much info. I would appreciate it if you could provide your guidance on this”. Our investing mantra is process-first, products-last. So, selecting an index fund should be the very last step. We recommend asking these questions…
Continue reading →A reader recently could opt for a cashless claim or pay cash and then be reimbursed in a network hospital—an account. This is my experience when encountering a Cashless VS Reimbursement situation a few months ago in 2023 (the story was shared with us in Feb 2024). The hospital offered a package for the procedure…
Continue reading →In this article, Sunil explains how he contested a health insurance claim rejection with the Insurance Ombudsman (Bima Lokpal portal) and won. Sunil prefers that the health insurance company not be named in the article (the editorial team at Freefincal is also unaware of this). The procedure followed matters more to the reader, as it…
Continue reading →In this edition of the reader story, a young earner shares his investment journey. 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 this article. You can also access the full reader story archive. Opinions…
Continue reading →The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark and spot mutual funds with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool…
Continue reading →A listener to the Let’s Get Rich With Pattu podcast writes, ” What is the probability that a particular equity market (just the index) will perform well (beating inflation) in the long term? I can see all the examples taken comfortably from the US and India everywhere. But what about other equity markets? And what’s…
Continue reading →In this edition of the reader story, we learn about a young earner’s journey to one crore and their plans to build further wealth. 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 this…
Continue reading →