Active Small Cap Funds vs Nifty Smallcap250 Quality 50 Index
We explore the efficacy of using DSP Nifty Smallcap250 Quality 50 Index Fund as a low-cost alternative to active small cap funds
Continue reading →Why you should not rely on group health/life insurance even if you have a stable job!
It should be evident to most of us that those with a non-permanent or corporate job should not rely on their group health insurance or group life insurance because they can lose the job anytime and become uninsured. I have heard stories of those who became hospitalised the day after they left the job or…
Continue reading →Mirae Asset Emerging Bluechip Fund: Performance Review
This edition of the fund performance report looks at Mirae Asset Emerging Bluechip Fund. In Oct 2016, this fund stopped lump sum investments after its AUM swelled past 11,000 Crores. Investments were possible only via SIPs or STPs up to Rs. 2500 monthly. In early October 2023, the fund house increased the SIP limit to…
Continue reading →Equity Mutual Fund Screener Dec 2023: Shortlist consistent performers
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 →List of worst equity mutual funds (Jan 2013 to Dec 2023)
This is a list of the worst-performing equity mutual funds over every possible five, four, and three periods—study period: From inception of direct plans (Jan 2013) to Dec 8th 2023. Some caveats before we begin: (1) The definition of a “worst mutual fund” is as arbitrary as the definition of a “best mutual fund”. We…
Continue reading →The role of a living trust in retirement planning
What if I cannot manage my retirement corpus in retirement due to ill health or disability? Who can help my spouse with the retirement corpus after my demise? These are tough but essential questions to consider. In a previous article, we discussed some simple situations where a spouse, trusted relative or SEBI-registered fee-only advisor can…
Continue reading →DSP Nifty Smallcap250 Quality 50 Index Fund Review
DSP Nifty Smallcap250 Quality 50 Index Fund is an open-ended fund tracking the small quality index in its name. The fund is currently in its NFO period. This article reviews the index’s performance and discusses if investing in this new passive fund makes sense. According to the NSE, “the Nifty Smallcap250 Quality 50 Index tracks…
Continue reading →Why a lifetime of renting makes sense to us
Two couples share contrasting reasons why they decided against property purchase and opted for lifetime renting. Before we begin, we would like to point out that this is their choice. They clarified that they are not preaching and that their lifestyle/choices will not work for everyone. So we anticipate your disagreement, but we request that…
Continue reading →Where should I invest for short-term goals?
A reader requested a discussion on instruments suitable for short-term goals. So let us do just that. The definition of what a short-term goal is is arbitrary. The unsubstantiated thumb rule is to avoid all equity for any “need” five years away or less. “Wants” are typically flexible, and one can afford to include some…
Continue reading →Investing mistakes that cost time and money
Here are some investing mistakes that cost time which is a more significant loss than money. 1 Trying to make up for lost time in a hurry: We often don’t seriously consider personal finance until we reach our early to mid-thirties. Once we begin, it’s easy to feel pressured to make up for lost time and…
Continue reading →Stocks with low volatility and momentum for Dec 2023
A list of stocks with low volatility and momentum sourced from BSE 500 and BSE 100 each month.
Continue reading →How can the salaried class build wealth across generations
This article discusses how the salaried can build wealth across generations. I am passionate about this topic because I have witnessed wealth diminish within my family from generation to generation. I am determined to do everything I can to prevent this from happening in the future. My great-grandfather lived an upper-middle-class lifestyle during the 1940s…
Continue reading →How should I invest if my only goal is to create wealth?
A reader writes,” I am 28 years of age and single and plan to remain so. I have no financial goals and only wish to create wealth. I have an aggressive risk appetite. How should I invest? Can you write an article about this?” Is it possible for a person to have no financial goals?…
Continue reading →Why our net worth is the best insurance there is
The titular line – Why our net worth is the best insurance there is – hit me as I made notes for the health insurance episodes of the Let’s Get Rich with Pattu podcast. Yes, we all know the basics – get adequate life insurance, health insurance, and emergency insurance (fund) before you start investing….
Continue reading →Should I invest in stocks along with equity mutual funds?
A reader says, “I have invested in equity mutual funds for the last two years. Should I also invest in stocks?” This is a question that only the investor can answer, but we can provide some guidelines. Why do you want to invest in stocks? Is it because you heard multibagger stories on social media…
Continue reading →