A reader says, “Given the changes in debt fund indexation benefits, I come across market veterans recommending equity savings and multi-asset funds as alternatives. I have the SBI, Kotak and Parag Parikh conservative hybrid funds in three different portfolios in my family. Would you continue to recommend these conservative hybrid funds for a long term…
Continue reading →After repeated requests from users of our mutual fund and stock tracker, the freefincal team is happy to present an NPS Portfolio Tracker on Google Sheets. Readers may remember that we recently added a Sovereign Gold Bonds Tracker on Google Sheets to the tracker. Features: Users can choose from 123 NPS funds offered by various pension…
Continue reading →I’ve recently started earning, and while my salary isn’t substantial, I’m eager to dive into investing. However, I’m uncertain whether the monthly investment amount I can invest will be sufficient to reach my financial goals. This dilemma isn’t unique to me, so I’ve decided to explore this topic further by writing an article. The solutions…
Continue reading →A reader wants to know, “Can I find out how much I need to invest for retirement without a calculator? Is there any thumb rule for this? Similarly, can I determine how much equity exposure I can have after retirement without a calculator?” We discussed the first part of the question earlier: Estimate Your Retirement…
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 →In April 2022, we met Arka and Rupali, who are trying to balance their aspirations, like travelling and exploring new opportunities, with their quest for financial independence. They followed it up with a sequel in May 2023. This is part 3. About this series: I am grateful to readers for sharing intimate details about their financial lives…
Continue reading →A reader asks, “If there is a Real estate component (physical) in a retirement planning portfolio, what is the best way to consider this during the rebalancing of assets? Or when considering the equity vs debt allocation”. “For example. Without considering RE investment, my portfolio is at 65: 35. ( 65 % equity). However, if…
Continue reading →In this article, Manmohan Sethumadhavan, answers the question, “Should Professionals or Business Owners File Form-10IEA for continuing in Old Tax Regime for AY 2024-2025 (FY 2023-2024)” and considers several other scenarios. Note that this is only for people with business/ professional income, since others can choose any regime any year without any limits. About the…
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 is a talk I gave in the bi-monthly meeting of the Tamil Nadu Investors Association (SEBI recognised) on March 24th 2024. I have recorded it separately in two parts. I have already published parts of the talk as articles since then. Active Mutual Funds Outperformance Consistency Report (March 2024) ETF or Index Fund? Look…
Continue reading →I wrote an article on the investment options if a person is moving to the USA. You can read it here – What should I do with my investments if I wish to move to the U.S.? The article gave me the idea of writing an article if the person is moving to Middle Eastern countries….
Continue reading →Many passive investing fans are excited by the 60% reduction in the fee (total expense ratio or TER) of Motilal Oswal Nifty 500 Index Fund. Does investing in the fund now instead of a Nifty 50 or Sensex index fund make sense? On 25th April 2024, Motilal Oswal AMC announced (pdf file) that from 1st…
Continue reading →A reader asks, “What are the current NPS Annuity Rates? How can I find the pension I will get for my corpus if I exit today?” The NPS is a market-linked retirement product. The contributions are defined, but the benefits are not because the final corpus depends on market conditions. The NPS subscriber must buy…
Continue reading →It is quite common to see one partner (either the husband or the wife) utterly uninterested in money management and investing. They take for granted that the other partner will handle everything. Perhaps this contrast is higher in households if one takes an additional interest in personal finance. Although my wife is super-smart and capable…
Continue reading →I have invested in the National Pension Scheme (NPS) since 8th March 2010. This is a performance report of how the NPS invested has fared over the last 14+ years. We also compare the returns with EPF. Note: Kindly do not assume that I am recommending NPS instruments. My situation is quite different from most….
Continue reading →