Let’s take the example of 2 Senior Citizen friends who have the same amount of corpus in their retirement kitty. The retirement corpus is around 1.4 Crores. Let us name them Mr. Ram and Mr. Sham for better understanding. Both friends are 60 years old and have retired from their respective professions. Since Mr. Ram…
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 →First, I would like to thank you for sharing your views and guidance with all those who want to achieve a peaceful retirement and financial goals. I have been reading your articles since 2018, especially when you gave an alert on Franklin Templeton Ultra short-duration fund, where you highlighted the risks involved and its NAV…
Continue reading →Many people have insurance policies from nationalised companies or other private companies purchased 5 to 10 years ago or earlier. At that time, insurance policies were very standardised, and the major choice that had to be made was about the insurance coverage amount. Over the past few years, private insurers have developed policies with innovative…
Continue reading →As you may be aware, Nippon Life India Asset Management Ltd. was the victim of a cyber attack on April 9th, 2025. At the time of this writing, the restoration is still ongoing. Thankfully, investors can still access their funds via the fund houses registrar and transfer agent (RTA) K-Fintech, MFCentral, MFU or other third-party…
Continue reading →We are back again with our fourth yearly audit of our financial health (the first three parts are linked below). A huge thanks to the numerous yearly audits posted on freefincal – we were also motivated to document ours, at least once a year. Thankfully, we are doing this for the fourth year in a…
Continue reading →Central government employees must decide between the Unified Pension Scheme (UPS) and the National Pension Scheme (NPS) before June. We have already published calculators and opinions on the subject, as regular readers may know. Here are some articles from the full UPS archive. Why I will not opt for the unified pension scheme UPS vs…
Continue reading →Life has a strange way of teaching us lessons: through wisdom, for some, and through heartbreak. Today, I’m sharing a deeply personal story. It’s not fiction. It’s not borrowed. It’s real. This story continues to haunt me because I witnessed it unfold before my eyes—and I wish it had had a different ending. About the…
Continue reading →A reader says, “Thank you for being a source of financial wisdom in my journey. Your articles have given me the needed direction and ideas to plan my finances. My situation might be a bit different from that of most of your readers, but I think there might be some lessons in my story”. After…
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 asks, “I am 38 years old, currently have a corpus of 2.25 Cr. 70% is in debt { SCSS (30), EPF (25), PPF (25), Arbitrage Funds (70), Debt MF (rest) } and 30% in equity MF. I invested in arbitrage funds as they provide good returns (vs FD) and a means to balance…
Continue reading →This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). It will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help them understand how tracking a midcap index or the Nifty 100 or 500 differs from tracking the Sensex or…
Continue reading →I was recently asked in an interview, “What mutual fund would you recommend for investors with FOMO (fear of missing out)?” A discussion. The short answer is that investors with FOMO can never be satisfied. They will always clutter their portfolio with the next shiny product they come across. Unless and until they tell themselves,…
Continue reading →All mutual fund investors would have come across the saying that time in the market is better than timing the market. But is this true? Yes, time in the market is 100% better than timing the market for AMCs and distributors. This ensures no break in fees or commissions. But what about investors? There is…
Continue reading →A reader wanted to know if he could invest his entire retirement corpus in mutual funds (of varying risk) and draw an income from them via systematic withdrawal plans — a discussion. Short answer: It is silly to put 100% of a lifetime’s effort, toil and hard work into capital market-linked products. Diversify keeping safety…
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