On November 5, 2024, SEBI issued a circular titled, Disclosure of expenses, half-yearly returns, yield and risk-o-meter of schemes of Mutual Funds, outlining three changes to the half-yearly disclosures made by Asset Management Companies (AMCs) under its jurisdiction. SEBI RIA Abhishek Kumar explains the changes. About the author: Abhishek is part of a freefincal’s curated list of…
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 →Occasionally, we ask members of our YouTube community to post questions about investing and personal finance. Here are some of them with brief answers. Q: Sir, for a 30-year-old person who has never invested in MF, which MF is suitable for a lump sum amount for the long term? A: 50% of Sensex or Nifty…
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 discuss ten mistakes to avoid while planning for early retirement. 1. Have a clear post-retirement engagement plan. Retirement (early or normal) does not mean a complete cessation of work. It is a time to be even more organised, disciplined and productive. Think of yourself as running a one-person company using time as a precious…
Continue reading →In this article, Anand Vaidya shares how his investment portfolio has evolved one year after he retired. Anand has written several articles for freefincal (linked below), and this is a sequel. 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 →Many readers ask, “Where should I invest a lump sum before deploying it into equity MFs?”. They research the best product for holding this lump sum, how long they should wait to start investing in equity MFs, and how long they should do the transfer. This is a waste of time, effort and money. You…
Continue reading →From time to time, investors want to buy gold for “returns” and “diversification” (or is it diworsification?). In our experience, many, if not most, buy gold without understanding the risks and with wrong notions about its returns. Here are six facts about gold you need to know before investing. 1. Gold prices do not always…
Continue reading →A reader says. “I live with my mother, and I am 52. However, I have a corpus of only one crore invested in equity. I retired in 2019 as vice president. My monthly expenses are 30k. Is my corpus enough?” This was in response to “How much do I need to retire in 2024?”. Let…
Continue reading →There seems to be a sudden interest in debt mutual funds. Possibly because everyone is expecting an interest rate cut? Possibly because of propaganda? Regardless of the origin, here are some facts you need to know before buying a debt mutual fund. 1. Debt mutual funds are not an alternative to fixed deposits! A fixed…
Continue reading →This is an updated list of calculators available for members of the freefincal investor circle. This is an exclusive space for investors, advisors, fintech employees and students to access financial planning and insurance tools, mutual fund and stock analysis tools, coding strategies and Excel macros for data extraction. The resources can be used for investment…
Continue reading →In this article, we cover the essentials of a mutual fund systematic withdrawal plan (SWP) in the format of an FAQ. 1: What is a Systematic Withdrawal Plan? The SWP is the opposite of a SIP. In a SIP, you invest a fixed amount each month (the most frequently used interval) and build a lump…
Continue reading →A decade or so ago, when someone wanted regular income, you assumed they were senior citizens or had retired early. That is no longer the case. With many shifting from a salaried existence to freelancing or enterprise, the need for regular income from accumulated wealth as a cushion has become important. Let us discuss the…
Continue reading →This year, so many have become first-time crorepatis or well-established crorepatis and have come forward to share their journey on freefincal in the reader story section. This is another such account. Also see: Crossing the Million Mark: Our Journey to the First Crore How I doubled my retirement corpus and became a Crorepati Analyzing the…
Continue reading →We are happy to announce major updates to the freefincal robo advisor tool. Users can now use custom asset allocation schedules while planning for retirement and other financial goals. The other financial goal sheet has been modified to include a break-up of current investments. The robo tool is a one-time purchase (details below), and all…
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