Is it possible to time entry and exit from gilt mutual funds for better returns?

In this article, we discuss the results of a tactical entry and exit strategy from gilt mutual funds and find out if it is more rewarding. Readers unfamiliar with gilt funds may consult our previous work: (1) FAQ on gilt mutual funds: essentials investors should know. (2) Gilt mutual funds will not protect your money! Recognize…

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Shortlist consistent equity mutual fund performers with this screener (May 2022)

The freefincal Equity Mutual Fund Performance Screener (May 2022) 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:…

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How LIC annuity rates have changed over the last 20 years

In this article, we look at how LIC’s immediate annuity plan Jeevan Akshay’s annuity rates have over the last 20 years. This study was triggered while preparing a retirement planning illustration based on laddered annuities. Annuity rates tend to follow interest rates and inflation movements over the long term*. The first version of Jeevan Akshay…

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What are the annuity rates of LIC Jeevan Akshay VII from Feb 2022?

In this article, we list the annuity rates of LIC’s Jeevan Akshay VII (Plan No. 857, UIN : 512N337V02) launched in Feb 2022. While preparing a retirement planning illustration based on laddered annuities we wanted to find the latest Jeevan Akshay VII annuity rates. Unfortunately, neither the sales brochure nor the policy document mentions this!…

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Why we struggle to invest & manage money prudently and how to fix it

Personal money management steps are simple to appreciate but hard to implement. These are some of our behavioural finance learnings on why investors struggle to invest and manage money prudently. 1 We often forget that personal finance is personal. Every move that we make ideally should be tailored to our needs. Right or wrong decisions…

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