This article discusses how the INR to USD exchange rate affects gold prices. Tracking gold-price movements in terms of USD and INR is a simple but intuitive way to understand the strength of our economy. Here are some observations from staring at the historical gold price movement in USD and INR. The domestic price of…
Continue reading →A reader says, “I’m 48 years old, unmarried, and the only son of dependent parents. I work in a MNC IT firm and own two houses (in Mumbai and Bengaluru) and a car. I have term and medical insurance for the 3 of us”. “Unfortunately, a big mistake I have made is having very little…
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 →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 one 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 →A reader says, ” I am a retired person. I have a portfolio of Equity, Debt and Investment Property (second home), which I have rented out to earn income. I have held the property for about 15 years but have not revalued it to the present market price. My Queries are: 1. How often should…
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. Update: We recently added a new tool to the freefincal investor circle…
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 →These are the freefincal handpicked list of mutual funds for July-September 2024. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has been published since September 2017 for beginners to accompany the freefincal robo advisor tool. Most important! Plumbline is a mix of my opinions +…
Continue reading →Can we build a well-diversified retirement portfolio – a retirement basket as PV Subramanyam of subramoney.com would say? Such a portfolio should be robust enough to handle all types of expenses in retirement – everday expenses for a comfortable life, discrenationary expenses to splurge a little from time to time, emergencies, both planned and unexpected…
Continue reading →A says, “Instead of starting a mutual fund SIP, can I manually invest each month?” The answer might seem trivial to old investors, but it is worth clarifying for newbies. Ask any AMC person or mutual fund sales guy this question, and you will get an immediate no. Followed by something like, “An SIP is…
Continue reading →Here is what you need to know and do to be a successful equity mutual fund investor. This also applies to the long-term direct equity (stock) investor. Understand the true nature of the stock market: All those stories of “compounding” that you have been fed do not pan out in real life. See: Don’t get…
Continue reading →This is a debt mutual fund screener for portfolio selection, 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 PSU funds, etc. The credit quality of the bonds in the portfolio and the bond maturity profile can be tracked….
Continue reading →A reader says, “I’m 45 and have reached 60:40 Equity: Debt portfolio. I have 15 more years of service and don’t plan to take Early retirement. My target corpus has not yet been reached. I have invested in NIfty 50 and NIfty Next 50 for equity, PPF, NPS, and gilt funds for long-term equity and…
Continue reading →A reader says, “I am 36 and have a 4-year-old daughter, trying to save some money for her education, marriage and my retirement. In one of your podcasts, you mentioned that 50-50 allocation is enough to create a good corpus. I can invest 1 lakh per month based on my current financial situation. Do I…
Continue reading →In this edition of the reader story, we meet a 33-year-old planning to retire by 45. 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…
Continue reading →