These are the mutual fund taxation rules for FY 2025-2026. These are derived from Manmohan Sethumadhavan’s fantastic Capital Gains Taxation Rules Ready Reckoner for FY 2025-2026. Surcharge and cess rates are to be added to the tax rates shown below. Equity-oriented MF (>= 65% Domestic Equity Shares) Investments redeemed on or after 23 July 2024…
Continue reading →I have been investing for my son’s future (college and other expenses) since Dec 2009 – a month before he was born (He is 15 now). Here are some lessons from this journey. When I started investing for this goal, money management basics were almost in place, except for term insurance, which I got a…
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 →Super top-up health insurance is designed to cover medical expenses that exceed a certain limit the d. Given the continuous rise in medical costs and the complexity of medical tests and procedures today, having extensive medical insurance coverage is crucial. However, while purchasing super top-up insurance is necessary, buyers must be aware of an important…
Continue reading →Sebi-registered investment advisor Abhishek Kumar offers a balanced, data-driven perspective on a social media post that claimed index funds are “guaranteed” to underperform the market. About the author: Abhishek is part of a freefincal’s curated list of fee-only financial advisors and a fee-only India member. He can be contacted via his website, sahajmoney.com. The “Guaranteed Underperformance” Myth The assertion that…
Continue reading →Two communities know the benefits of approaching a SEBI-registered fee-only financial planner who charges a flat rate (not a percentage of your assets): freefincal readers and members of the FB group Asan Ideas for Wealth. More than 1000 freefincal readers are working with the advisors on the site’s curated list. However, even in these communities,…
Continue reading →A social media post last week had a striking banner: “From 1 July 2025, IRDAI allows health-insurance claims for hospital stays as short as two hours.” SEBI RIA Abhishek Kumar explains what changed and what didn’t. About the author: Abhishek is part of a freefincal’s curated list of fee-only financial advisors and a fee-only India member. He can be…
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 →In this edition of the reader story, “Two years ago, I made a decision that reshaped my relationship with money, risk, and peace of mind. Last year, I shared how after losing six months’ worth of income in futures and options (F&O) trading, I stepped away from the chaos and adopted systematic investing. It wasn’t…
Continue reading →A reader has pointed out an error in the Capital Gains Ready Reckoner regarding the indexation of listed and unlisted bonds/debentures. According to the 4th Proviso under Section 48, indexation is not available for debentures/bonds. Abdul says, “In your Freefincal capital gains tax ready reckoner, there is an error regarding the Indexation on the Listed…
Continue reading →This ETF screener is based on tracking errors and differences (ETF return minus index return). It 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 in following…
Continue reading →The cost inflation index for the financial year 2025-2026 is 376, representing a 3.58% increase. We compile 45 years of cost inflation index data to understand the devastating consequences of inflation and why our singular focus should be on beating inflation for our long term goals. The cost inflation index (CII) is not a measure…
Continue reading →The freefincal robo-advisor tool will now feature equity glide paths for retirement buckets, providing enhanced risk management. We also have an updated video user guide. The updated version has already been sent to all existing users. Those who did not receive the notification can contact us. Those unfamiliar with the tool’s features can refer to…
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 →We recently received an interesting question on YouTube: “What would be your advice to a person who wants to lead a luxurious life? For example, if a person who is 40 years old makes 50 lakhs annually after taxes, would you advise such a person to invest aggressively and retire by 50 or lead a…
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