While preparing this month’s equity mutual fund screener, something caught our eye. ICICI Prudential Equity & Debt Fund gained 19.8% over the last year (trailing 1Y return) compared to only a 6.2% gain by Nifty 100 TRI (as of 3rd June 2022). So we dig deeper and find out how consistently the Fund has performed…
Continue reading →Many young investors in mutual funds suffer from a problem that needs urgent attention: they are constantly seeking motivation to continue their investments in mutual funds. A discussion on why they need to get real and get over this to build wealth. So what is the problem? Articles such as these: Does long-term equity SIP…
Continue reading →The freefincal Equity Mutual Fund Performance Screener (June 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:…
Continue reading →A reader asks,” Sir, I started investing in Tata Digital India fund in Sep 2021. The NAV has been continuously falling since then. What should I do? Exit or continue to hold? Please advise”. We asked the reader, “Why did you choose this fund?”. Response: “I thought it would be a good idea to diversify…
Continue reading →A reader writes, “I was wondering if you have written anything (or can write in the near future) about a comparison of portfolio rebalancing strategy – timed, percentage, cash flow based etc. I follow a directed cash flow based strategy to keep/maintain my asset allocation”. “I change every SIP accordingly (I know it is too…
Continue reading →A reader asks, “My son is 12 years old now and this is regarding his Higher education. I have Rs 21 Lacs lumpsum in hand. I also plan to start a monthly Rs9000/- SIP for a 5 years time period. Could you kindly advise how and where should the lump sum and monthly SIP be…
Continue reading →A reader writes, “I read with interest your series on market timing. You mentioned that sequences of risk are common to both systematic investing and market timing. Can you please give a simple example of this?”. To those who have not read the series, the article mentioned above is this: A risk in market timing…
Continue reading →Each month, we publish a list of stocks with low volatility and momentum. 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 →There is a lot of hullabaloo about glass ceilings and pay gaps based on gender across industries. However, the debate often fails to recognize that this leads to a disparity in retirement savings. About the author: Smriti is an author, artist, freelance content writer and avid reader. She quit her six-year-long IT career to embrace…
Continue reading →In the previous article, we discussed the basics and important considerations while planning for a five-year girl’s future. In this article, we will do the calculations with some inputs and assumptions. We shall also include the retirement planning calculation for the parents in brief. We shall use the robo advisory tool for this illustration. We…
Continue reading →A reader asks, “Sir, my daughter just turned five. We have been investing here and there without focus or a target. Can you please guide us on how we can plan for her future? The first priority is of course her education until the PG level and her marriage”. “We are aware of options like…
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. Before we begin, investors need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of financial independence and ensuring my son’s future…
Continue reading →A reader asks, “I wonder if you can write a blog post on the Risk of fund house concentration in one’s investment portfolio. I am a follower of Freefincal Finance university and use Robo Advisory to manage my investments. Hence you can assume that I follow asset allocation as prescribed by the tool, and invest…
Continue reading →In the fourth and final part of our double moving average market timing model backtests, we consider Sensex and other Indian Indices. We have already established that the model reasonably works (see links below) with Indian gilts, Nasdaq 100, the S&P 500 and gold. Our primary goal in this updated study is to illustrate market-specific…
Continue reading →Here is a simple thumb rule young earners can follow for retirement planning. If this rule is implemented immediately after starting a job, the chances of achieving financial freedom by age 50 or even earlier are exceedingly bright! We would like to emphasise the following suggestions are only applicable to those below the age of…
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