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…
Continue reading →In this edition of the reader story, we meet a software professional and certified table tennis coach from Coimbatore. 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 →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 →The equity market has been falling since September 2024. If you are losing patience and thinking about stopping or redeeming your equity investments, don’t! Now is the best time to invest – as long as your goals are far away! Even if we buy into the (incorrect*) belief that “over the long term, the stock…
Continue reading →You hold two asset classes in your portfolio (say equity and fixed income). Now, you are tempted to hold another asset class (say gold, at the right or wrong time; it does not matter). Every choice comes with its consequences and responsibility. Once you have a 3rd asset class, the risk in the portfolio can…
Continue reading →We have been publishing a monthly equity mutual fund screener since Sep 2022. This uses rolling returns to determine how consistently active mutual funds outperform representative category benchmarks. This can also be used to appreciate how hard it is for active funds to outperform and why passive funds make sense – especially if you are…
Continue reading →Consider this. My friend’s daughter wanted to study B. Tech Electrical Engineering (EE) in a specific college (say, college A). However, the college informed them that they could only offer another course for now, but she will be waitlisted to EE if there are vacancies. Meanwhile, she got a B. Tech EE in another college…
Continue reading →I hate to say this, but it has to be said. To get rich, we must stop behaving like the typical retail investor. We must stop calling ourselves the Aam Aadmi or the middle class. Btw no one reading this belongs to the Indian middle class. They may have a middle-class mindset, but that does…
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. Update: We recently added a new tool to the freefincal investor circle…
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