We have revamped our Automated Stock Analyser with the Earnings Power Box Valuation Model. This was introduced by Hewitt Heiserman, Jr, in his book, “It’s Earnings That Count: Finding Stocks with Earnings Power for Long-Term Profits”. History: Srivatsan, a regular contributor at freefincal, introduced me to this model and incorporated a simple way to compute…
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 →We have recently discussed the revival in investor interest in Nifty Next 50 – Nifty Next 50 outshines Nifty 50 by 41% – Time to buy? As pointed out, in 2018, many investors started investing in Nifty Next 50 index funds only to be frustrated by its performance over the next five to six years. Over…
Continue reading →This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of…
Continue reading →Over the past few weeks, more and more investors have asked us, “Is this a good time to invest in a Nifty Next 50 index fund?” A discussion. The revival in interest is because of recent outperformance. Over the last year, Nifty Next 50 outperformed Nifty 50 by 41%! Long-term readers may know that we…
Continue reading →The cost inflation index for the financial year 2024-2025 is 363 – an increase of 4.31%. We compile 44 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…
Continue reading →In this edition of the reader story, we have a success story of resilience and smart investing. How a 44-year-old managed to attain a net worth of Rs. 8.5 Crores or the equivalent of a million USD by working only in India. This article was first published as a thread on the Facebook Group Asan Ideas…
Continue reading →A reader says, “Where do you get the data for your analysis discussed in this video? Index Investing In India TNIA Talk Part 2. I also want to make a similar analysis. Where can I get it? Can you please share the website?” This list of free data sources can be used for DIY investing and…
Continue reading →A frequent criticism by those who encounter freefincal articles or videos is, “This guy is very pessimistic about equity investing”. I also often get asked why that is the case. Please allow me to explain. There is a difference between lack of faith and pessimism. If I lack belief in equity, I will not go…
Continue reading →In this edition of the reader story, we have an account of how a 55-year-old who retired recently securely draws an income and manages spending. 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 at the bottom of…
Continue reading →Hiring a professional financial advisor has become a common trend due to the increasing hype and importance of financial planning. Moreover, the upsurge in the demand for financial planners has resulted from rampant online promotion. You also must have come across various promotional posts encouraging users to hire Fixed Fee Comprehensive Financial Planner in India….
Continue reading →We discuss how pretty much all of investing (lump sum or SIP) and borrowing (debt., EMI) can be described by a single equation! In finance workshops, people are often taught to use spreadsheet commands like PV, FV, PMT, NPER, etc., without a deeper understanding. Consider a lump sum investment we shall label as pv (for…
Continue reading →Readers often ask, “How much capital gains tax should I pay if I have no other income source?” The answer is quite simple. Up to the tax-free limit (using the then prevailing tax slabs), the capital gains are tax-free if there are no other sources of income (this is quite rare, if not impossible). We…
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 →In this article, SEBI registered fee-only advisor Ajay Pruthi explains how to choose a health insurance policy. About the author: Ajay Pruthi is a fee-only SEBI registered investment advisor. He can be contacted via his website plnr.in. Ajay is part of the freefincal list of fee-only advisors and fee-only India. Do you think there’s no need for personal health insurance…
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