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 →We discuss the role of income laddering (annuity laddering) in retirement planning and how to implement it. There are two extreme options in retirement planning: one where the corpus is managed in a diversified portfolio, and an increasing income is withdrawn from it as required. This is known as the bucket strategy. We had earlier…
Continue reading →A reader says, “Is having all my net worth in digital assets (equity MF/Demat or debt PF/PPF, etc.) safe? What may happen if some hacker hacks my digital life or, worst case, hacks into the government or AMC database and deletes our holdings? What will happen if our CDSL accounts are hacked or erased, or…
Continue reading →Many investors cannot stop themselves from buying mutual fund NFOs and clutter up their portfolios. This guide may help you think rationally and focus on the right priorities. 9.99 out of 10 mutual fund NFOs are not necessary. Hundreds of existing mutual fund options can be used to build a good MF portfolio. Investors often…
Continue reading →This index fund screener is based on tracking error and returns difference wrt benchmarks (also known as 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…
Continue reading →Parag Parikh Financial Advisory Services has filed an NFO document for Parag Parikh Large Cap Fund with SEBI. I was initially reluctant to opine on it, but since we received several requests, I thought I would throw in my two cents. Note: this is only at the filing stage. Post-approval, the launch (if the AMC…
Continue reading →We discuss how retirement products like the employee provident fund (EPF), the National Pension Scheme (NPS) and the Unified Pension Scheme (UPS) can be incorporated into a retirement plan. Over the years, many readers have doubts about how to go about this, hence this article. At the time of writing, the UPS is not yet…
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 the index’s monthly return differences. The lower the tracking error, the more efficiently the ETF tracks the…
Continue reading →Use this simple spreadsheet to review and audit your goal-based investment portfolios. Over the years, we recognised the need for a tool beyond financial planning and portfolio value/return tracking. A financial planning calculator tells you the target corpus for a goal and the investment amount required. A portfolio tracker only tells you the current corpus…
Continue reading →A reader says, “I am 50 years old and have been planning to retire at this age since quite a few years back. By god’s grace and my regular investments, I have managed to have a decent corpus, which I have validated using your robo-advisory tool. Thanks a lot for making this tool and helping…
Continue reading →Many readers ask, “I need money in 10 years (or 7 or 12, etc.). Where should I invest? Here is a generic template. I am afraid this is the wrong question to ask, and until you ask the wrong questions, you will never get the correct answers. The right question is, “I need money in…
Continue reading →The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for equity mutual funds that consistently perform. You can screen based on fund category & benchmark to identify mutual funds that offer higher returns than the benchmark while maintaining lower risk. Inside, you get discounted links to our robo advisory…
Continue reading →These are some reasonable and unreasonable risks in investing and money management. We all agree that some risk is necessary for our careers, life, and investing. But not all risks are the same. Some risks have a reasonable chance (not a probability) of success based on common sense and/or history if given enough time and…
Continue reading →A reader asks, “How can we be sure that post-retirement, our bucket strategy will help us to sustain the corpus in our retirement period with an assumed return of different asset classes and beat inflation?” While there are no guarantees, we can do enough to ensure we have more than a reasonable chance of success….
Continue reading →This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also identify NPS schemes that offer a higher return than the benchmark while maintaining 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…
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