SEBI released a consultation paper (CP) on 28 June 2024 on disclosure of Risk Adjusted Return by Mutual funds, for “enabling informed investment decision by the investors”. It is open for public comments where all market participants such as brokers, advisors, investors can give their feedback on the paper. An important point to note is that…
Continue reading →A reader wants to know, “What is the ideal corpus for retirement in India?”. There are two very different aspects to consider here. (1) Retirement Math is universal and independent of geography. Only the inputs would vary. (2) What we define as “ideal” is subjective. Even in 2024, some people compute the retirement corpus necessary…
Continue reading →A reader asks, “For the gilt portion of my portfolio for a 10+ year goal, would you recommend passive or active funds?” Let us look at the different options available to an investor. Instead of looking at this as an active vs passive question, let us look at it from the pov of NAV volatility…
Continue reading →This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener 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…
Continue reading →On June 23rd 2024, Moneycontrol reported that SEBI conducted search and seizure operations at two locations of Quant Mutual Fund on suspected front-running. The initial reaction from the AMC: It confirmed via email to investors that it has received inquiries from SEBI. Then, on June 27th 2024, it sent an FAQ to unitholders. The first…
Continue reading →I’m a 35-year-old married man with one child. While I’m already covered by a health insurance policy worth 5 lakhs through my current employer, I also purchased a personal family floater Mediclaim Insurance worth 5 lakhs last year. Recently, after reading various posts and blogs, I’ve come to realize that relying solely on a health…
Continue reading →Many readers accuse us of scaring them by stating the factually obvious: Long-term equity investment comes with no guarantees of success! So, we discuss how to stay invested in equity without worrying about market falls. Equity investing (via mutual funds or direct equity) has no guarantees. Still, there is more than a reasonable chance of achieving…
Continue reading →A reader says, “My PPF has matured. I presently hold about 45 % equity, with the rest in debt, and I am looking to increase my equity exposure as I have about 17 years to retire. I was thinking of withdrawing the ppf, which is currently earning tax-free returns of 7.1% and moving that to…
Continue reading →It is uncanny that several investors have emailed or commented over the last few days asking if they should stop their investments now and wait for the market to cool down a bit. Or they are waiting for the right time to invest a lump sum or start a sip. Our short answer is: If…
Continue reading →A reader asks, “Can a 45-year-old get Rs. one lakh monthly income with Rs. 3 Crores retirement corpus?”. We will assume the reader wishes to retire immediately with a corpus of Rs. 3 crores. Let us punch this scenario into the freefincal robo advisor tool. We acknowledge the efforts of reader Sunil who pointed out…
Continue reading →Believe it or not, five emotional missteps can lead most individuals to commit common financial errors. It may sound unbelievable, but let’s delve into these mistakes individually. If you are susceptible to these mistakes, I urge you to read on until the end. Despite how trivial it may seem, there is a solution to these…
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 added an Earnings Power Box Stock Analyzer to the freefincal investor circle. Readers may also know that we publish monthly reviews of my stock portfolio. These are the earnings power valuation results for the stocks in my portfolio. What is Hewitt Heiserman Jr.’s Earnings Power Box? This plots the Defensive EPS (earnings per share)…
Continue reading →On 1st July 2024, SEBI released a consultation paper for “Introduction of Mutual Funds Lite Regulations (MF LITE) for passively managed Mutual Funds Schemes.” aimed to “reduce the compliance requirement, foster innovation, encourage competition and promote ease of entry for the MFs interested in launching only passive schemes”. About the author: S. R. Srinivasan (SRS) is a…
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…
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