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…
Continue reading →We are studying the efficacy of a double moving average market timing model with different market indices. We have already established that the model reasonably works (see links below) with Indian gilts, Nasdaq 100 and the S&P 500. Our primary goal in this updated study is to illustrate market-specific risks and the sequence of returns…
Continue reading →A reader writes, “Congratulations on freefincal’s 10th anniversary. Looking at the body of work the site has published over the years, I wonder if there is any new ground left for you to cover in personal finance or will you only rehash old content for new audiences?” Although a touch insinuating, it is an interesting…
Continue reading →This is a debt mutual fund screener for fund selection, fund portfolio tracking and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile…
Continue reading →We discuss how to avoid a common mistake made by investors while computing mutual fund SIP returns. On 20th May 2021, the Sensex (price) index was 49,564.81. About 5 months later on 18th Oct 2021, it rose to 61,765.59. Many mutual fund AMC investment dashboards or investment portals would report the annualized return during this…
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