In this edition of the reader story, we meet a reader who started with multiple thematic funds, learnt his lesson, and now streamlined his portfolio with three funds. 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…
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 →Understanding risk is essential to effective investing and money management. The way investment risk is perceived and handled has a pervasive impact on investment performance. Hence, it would be beneficial to develop a holistic understanding of how investment risk works. Let us now look at answers to some of the most commonly asked questions about…
Continue reading →If the markets move up over a few weeks, investors are worried that they will crash and wonder if they should stop fresh investments. If the market moves nowhere, it frustrates investors, who start looking for new pastures. If the markets tumble, they begin to panic. Can we build an investment strategy that is independent…
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 →AI, particularly AI with deep research options (e.g., Perplexity, Gemini, Grok, etc.), can handle the most complex questions and provide amazing answers. Perplexity Pro (free for iitm users) even has an option to search from only academic sources, which I use if I ask it health-related questions. Please note: I fully understand that AI can…
Continue reading →Often, clients and advisors have conflicting views that result in friction and typically a break in the relationship. This can easily be avoided if both parties clearly explain their viewpoint and meet on common ground. Take, for example, a situation we encountered recently. The client has more than Rs. one crore in regular plan funds….
Continue reading →In India, not everyone can offer investment advice. They must first be registered as an investment adviser (RIA) with SEBI. Once registered, they must act as a fiduciary – meaning they must always put the client first. In other words, prescribe only commission-free products (those that come under SEBI) if the adviser charges fixed fees…
Continue reading →The growth of AI-based tools is astounding and alarming. I was recently sent a CT report of a hospitalised relative with multiple findings that seemed to require medical attention. I was curious to learn more. It is inadvisable to do this, but some of us have a curious itch to scratch (and suffer the consequences)….
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 →A 32-year-old reader asks, “Should I redeem investments and reduce my home loan burden as much as possible?” This is the comparison he sent us. “Cost of land: Rs. 70 Lakhs (including registration). Cash in hand: Rs. 50 lakhs. If I get a home loan for Rs. 50 Lakhs, I would be left with Rs….
Continue reading →Investors get jittery and unsure what to do when the stock market is overheated or when the stock market goes nowhere. Here is a simple market-independent strategy via systematic risk reduction that would be far more productive. Why? We have no control over market returns. Yes, asset allocation with regular rebalancing and diversification within each…
Continue reading →I have invested in the National Pension Scheme (NPS) since 8 March 2010. This is a performance report showing how the NPS has fared over the last 15+ years. We also compare the returns with the EPF. Note 1 For government employees: We have extensively written about the Unified Pension Scheme vs the National Pension…
Continue reading →This is the third in the series of my finance audits. Focus is again on how I track my personal finance related metrics. This should be helpful for DIY investors and should help them to focus on what and how to measure. I am using the same format and adding a FY25 v/s FY24 section….
Continue reading →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…
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