Why complicate life with multiple retirement buckets? Why not use a single equity + debt portfolio?

A reader wants to know why a retiree needs to complicate life with multiple retirement buckets when all he needs is a single portfolio with equity and debt after retirement which is much easier to manage. About 10 years ago, I would have probably thought the same. Age and experience change perspective. See: I thought a…

Continue reading →

Track your mutual fund and stock investments with this Google Sheet!

We are happy to announce a new Google sheet-based mutual fund and stock investment tracker. The sheet’s features are presented below. Key features of the freefincal mutual fund and stock tracker: Last updated with minor improvements: 13th May 2025. Update Feb 2024: A Sov Gold Bond Tracker on Google Sheets is free for those purchasing the…

Continue reading →

How to use the freefincal robo advisory tool to track the progress of our financial goals

In this article, we explain how we can use the freefincal robo advisory tool to track the progress of our financial goals. The robo tool as many readers would know is a financial planning tool. It automates the process of systematic risk management and suggests a variable asset allocation schedule with step-wise equity reduction. The…

Continue reading →

EPF rate cut is a wake-up call! The “It’s still better than the rest” argument will not wash!

The reduction in the EPF interest rate from 8.5% to 8.1% for FY 2021-2022 is a wake-up call for the retail investor. Particularly the young earner. The “EPF rate is still higher than other instruments” argument is of little use for most investors. As discussed several times before, the fiscal prudence of EPFO is far…

Continue reading →

Beware of Finance influencers! They can mess up your portfolio!

A finance influencer or finfluencer is someone capable of influencing investment or insurance or money management decisions based on the content they create (articles, video, tweets, Instagram posts etc.). Sadly, many of them are capable of harming our portfolios. A discussion. Note: We are acutely aware that the opinions presented below also applies to freefincal…

Continue reading →