This is my monthly retirement stock portfolio analysis compared with an equivalent investment in a Nifty index fund. 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 portfolio is in a good place….
Continue reading →The freefincal Equity Mutual Fund Performance Screener (July 2021) 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 that have a higher return than a benchmark at a lower risk. Inside, you get ~ 40% discounted links to…
Continue reading →A reader asks, “Dear Pattu Sir, as pointed out by you several times, active large cap funds have struggled to beat the Nifty/Sensex over the last few years. Although things are a little better after the market recovery in the last few months, will this be the norm in the future too? Does this mean…
Continue reading →We all know the reason for investing in ample amounts of equity for long-term goals. It is to beat inflation. Or, in other words, to get a return higher than what typical fixed income products offer – a good measure of realistic inflation in India for day to day expenses (services tend to have higher…
Continue reading →This article reviews PGIM India Midcap Opportunities Fund, yet another fund to see an AUM boom over the last few months, along with Quant Active Fund and Quant Small Cap Fund. Readers may recall our recent report that PGIM India Midcap Opportunities Fund’s AUM grew by 1212% between March 31st 2020 and May 31st 2021,…
Continue reading →Navi Nifty 50 Index Fund is an open-ended fund tracking the Nifty 50. Its initial total expense ratio for the direct plan is expected to be 0.06%. This article discusses if it makes sense to invest in this new fund offer based on its low fees alone. The NFO period is between July 3rd 2021, to 12th July…
Continue reading →Here is a list of stocks with low volatility and momentum for July 2021 from the Nifty 100. You can also get the historical data from March 2019 to July 2021. We filter Nifty 100 for (1) positive 1-year return, (2) positive six-month return, (3) price > 200-day moving average, (4) 50% of daily positive…
Continue reading →The idea of passive income excites many of us. However, very few can get significant passive income. In this article, we discuss the reasons for such failure and present a passive income template that can be used to build a lifelong income. We shall restrict ourselves to building an online passive income. Why many of…
Continue reading →These are the freefincal handpicked list of mutual funds for July-Sep 2021. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and was started in Sep 2017 for beginners to accompany the freefincal robo advisory template. Most important! Plumbline is a mix of my opinions + skin…
Continue reading →In this article, we review a new index from NSE. The Nifty Microcap 250 Index has 250 companies beyond the Nifty 500, with weights determined in terms of free-float market capitalization. That is, any stock part of the Nifty 500 will not be part of this new index. Companies ranked within the top 1000 based…
Continue reading →In this article, we review ICICI Prudential Flexicap Fund, an open-ended dynamic equity scheme investing across large cap, mid cap & small cap stocks. The NFO period of this fund is between June 28, 2021, to July 12, 2021. Why ICICI Prudential Flexicap Fund? As usual, some history is necessary to establish context. Prior to…
Continue reading →This week, we review Quant Small Cap Fund, which saw a 32844% increase in its AUM between March 2020 and May 2021! Almost all of its current AUM of Rs. 504 crore came during this period! The fund has delivered 178.5% returns in the last year, but what is baffling is, the increase in AUM…
Continue reading →Neils Bohr, one of the founding fathers of quantum physics, said, ”If quantum mechanics hasn’t profoundly shocked you, you haven’t understood it yet.” The same is true of retirement planning. When you sit down to do a retirement calculation for the first time, it should shock you. If it does not, you are probably making…
Continue reading →There are several misconceptions surrounding debt mutual fund selection. We shall discuss a couple of them in this article. Many investors believe dynamic bond funds are better than gilt mutual funds because of active fund manager calls on the portfolio’s duration. Investors also believe that corporate bond funds (or banking and PSU funds) are less…
Continue reading →A reader who wishes to be anonymous wanted to know the corpus need to retire in India by age 45. Before we get down to the calculation, “retire by 45” requires some clarification. This means goodbye to regular employment, to a salaried job. This does not mean the person will sit around all day doing…
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