There are many households (including mine) where the other partner knows nothing about investing, paying bills, taxes, etc and is not interested in learning. How can we set up instructions so they can manage our money in case we become too busy with work (or go abroad) or, worse, die? Instruction Sheet: Considerations It should…
Continue reading →A reader says, “I have modelled my retirement plan using the freefincal robo advisor. The option to secure a part of retirement expenses with income flooring is particularly appealing after reading reader journeys like How I used RBI Retail Direct to buy government bonds and create an income source and The system I use to draw…
Continue reading →This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help to understand how tracking a midcap index or the Nifty 100, 500 differs from tracking the Sensex or…
Continue reading →In this article, we explain the nuances of a retirement bucket strategy and discuss a method to implement it. What is a retirement bucket strategy? We have seen how our parents and grandparents manage their money after retirement. For most of them, a pension would be the main component. The remaining corpus would be distributed…
Continue reading →A reader wants to know, “How do you prepare for parenthood financially?” — a discussion. I admire this line of thinking. I would recommend every wannabe parent to ask themselves this question. Previous generations considered childbirth a gift and believed it should not be hampered by too much planning. Perhaps they are right, but there…
Continue reading →This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is…
Continue reading →A reader asks, “I am 35 years old and presently have a Central Government Health Scheme (CGHS) cover for myself and my family (wife and daughter) on account of my Central Government job. Considering that the possibility of switching jobs is negligible and that CGHS can be extended to cover me and my wife post-retirement…
Continue reading →A reader wishes to know, “What is the ideal base health insurance plus super top-up combination?” If you are confused about which health insurance policy to buy, check out the free resources at the end of this article. There is no ideal base + super top-up combo. We will have to decide what is suitable…
Continue reading →A robust post-retirement investment strategy requires the following: (1) A large cash buffer for emergencies, (2) A guaranteed income source that handles partial expenses for the entire duration of retirement (also known as an income floor) or guaranteed income that increases at a rate close to inflation for the first 10-15 years of retirement. (3)…
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 →In this edition of the reader story, a reader bravely shares his mistakes, hoping that younger people will not repeat them. 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 this article. You can…
Continue reading →This is an updated capital gains taxation rules ready reckoner by tax expert Manmohan Sethumadhavan after taking into account the amendments to the Finance Bill 2025. Only two changes were to capital gains taxation rules in Budget 2025 and these were covered by Manmohan earlier Budget 2025: Changes in taxation of Alternative Investment Funds (AIFs) Budget…
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 →Each time the stock market falls, a new generation of investors learns how risky it can be, especially small cap and mid cap segments (which includes the Nifty Next 50). Equity investing is challenging for two reasons. 1) It requires incredible patience, discipline and conviction. See: Now Is the Best Time to Invest: Do not stop…
Continue reading →Nippon India Small Cap Fund, launched in September 2010, is the largest small cap fund in the category with an AUM of Rs. 57,010 Crores (as of 31st Jan 25). This is a technical report of how it has evolved. About the author: This article is written by a reader who prefers anonymity. The opinions…
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