Welcome to freefincal! If you are new here please click the "Start Here" link in the menu above. We strive to make your financial life simpler with data-driven insights on investing risk and reward. Scroll down to view our featured products and read our articles.

How can I identify my risk appetite before investing in mutual funds?

A viewer on our YouTube channel asks, “Sir, How can I identify my risk appetite. Please let me know the list of points to consider while deciding asset allocation. Thanks.” Many investors believe their risk appetite falls under three categories: low, medium and risk. They also assume risk appetite refers to “how much risk we…

Continue reading →

What is voluntary deductible in health insurance? Should you opt for it?

Health insurance is a tricky business. Unlike life insurance, a health insurance policyholder is likely to make multiple claims over a lifetime. This means health insurers have to be careful about who they insure else profits would suffer. However, if they are too strict, then again profits would suffer. The alternative is to share the…

Continue reading →

Equity Mutual Fund Screener Oct 2021: Shortlist consistent performers

The freefincal Equity Mutual Fund Performance Screener (October 2021) 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 two courses:…

Continue reading →

Myth Busted: Active mid cap mutual fund managers can easily beat the index

Thanks to effective industry propaganda, many investors believe that mutual fund managers in the mid cap space can easily beat a  mid cap benchmark. In this article, we bust this myth with rolling returns and trailing results comparison of active mid cap mutual funds with Nifty Midcap 150 TRI. First, let us compare trailing returns…

Continue reading →

Early retirement vs normal retirement: How much equity should I hold in each case?

In this article, let us discuss how much equity one should hold in an investment portfolio after early retirement and how will it differ from normal retirement. Equity exposure after retirement is a tricky business and requires careful consideration, the primary being, what is the retirees’ experience with capital markets? Today we have retirees mis-buying equity…

Continue reading →

My side-hustle pays 40% of my monthly expenses with 100% satisfaction

In this episode of how I increased my income,  we meet a marketing associate who runs a dance school. Eager to try new things, she efficiently balances home, office, friends, family, and passion. About this series: We all appreciate the importance of a higher income but increasing our income is not easy. It requires time, effort,…

Continue reading →