In this article, we shall discuss how REITs (Real Estate Investment Trusts) and InvITs (Infrastructure Investment Trusts) will be taxed from 1st April 2023 (FY 2023-2024 or AY 2024-2025). REITs and InvITs invest in commercial real estate properties and infrastructure assets via special purpose vehicles (SPV) through equity or debt instruments. This allows investors to…
Continue reading →This article discusses a retirement plan for a 30-year-old who wishes to retire by age 50. We shall use the robo-advisory tool to create this retirement plan. Let us outline the inputs and assumptions employed in this analysis. Kindly note that all the inputs and outputs in this research pertain to a situation (of a…
Continue reading →You probably feel grim and despondent if you have tracked factual climate change articles over the past few years. What was earlier academic debate now seems like a matter of time. Can we financially prepare for this? How? Here are a few articles that remind us of the kind of mess we are in now….
Continue reading →A reader wants to know if he can use P2P lending as a fixed-income instrument in his portfolio. Many portals that facilitate P2P lending flash double-digit returns with slogans like “better return that FDs”. But are they worth your time and money? P2P lending, or peer-to-peer lending, is a method of borrowing and lending money…
Continue reading →Over the years, there have been innumerable discussions in AIFW (Facebook group, Asan Ideas for Wealth) about various aspects of mutual funds – their kinds, where to use them, what to buy, when to sell, how much returns to expect, SIP or not, active vs passive, etc. Yet one topic does not seem to get…
Continue reading →The following is an account of an ordeal to redeem from mutual funds in demat form. As mentioned several times earlier, holding mutual funds (except ETFs) in demat form makes no sense. Mutual fund units are already in electronic form! Unless an investor wants to (or rather tries to) sell closed-ended mutual funds before maturity,…
Continue reading →After the debt mutual fund taxation change from 1st April 2023, many readers have asked us if they can use NPS Tier 2 as an alternative—a discussion. We had previously discussed a related idea: Can I use NPS Tier II as a low-cost index fund? All NPS pension fund managers provide portfolio details under “statutory disclosures”…
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 →A reader asks, “Sir, What return should I use while planning for retirement? I wish to retire by age 55. I am currently 35 years of age”. Many people make two mistakes while planning their finances. The first common mistake is presuming that equity mutual funds provide a 12% (or more!) return and utilizing that…
Continue reading →I purchased two endowment policies last year and currently pay an annual premium of 2 Lakhs for these policies. Renewal for these policies is due next month, and I’ve heard that insurance policies are not ideal for investment due to their relatively low returns. So, should I consider surrendering these policies? About the author: Ajay…
Continue reading →We received this interesting question.”First of all, I’d like to thank you for the blogs and videos that you make. I’m fresh out of college(21 years old) and will start my first job soon. Your content has spiked my interest in personal finance and made me examine it analytically”. “My question is rather simple but…
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 →A reader asks, “I have a question regarding this article, wrt to the kid’s education corpus – After ten years of MF investing, Suhas is on track to achieve his financial goals. The user mentions opening a second ppf account. My question is, Is it possible for me to invest in my kid’s ppf account,…
Continue reading →This article explains how a retirement bucket strategy can be combined with an income ladder in various ways. The goal is to reduce the management risks associated with a bucket strategy. In an income ladder, we use fixed-income instruments that mature periodically in future, providing income to the retiree. Let us consider an example. Suppose…
Continue reading →We recently ran a survey for clients of fee-only advisors who are part of Freefincal’s curated list and fee-only India – 964 clients have participated. A healthy trend has emerged that warrants our attention, and we strongly believe any further response would only strengthen it. We shall discuss answers to two survey questions in this…
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