Sometime last year, I was on a Zoom call with a few school friends. While we were discussing the good old days and how the school system worked differently for all of us, we stumbled upon the idea of teaching about politics and finance in school. About the author: Smriti is an author, freelance content…
Continue reading →Sriram asks, “Instead of separately investing in equity mutual funds and fixed income and then worry about rebalancing and pay taxes, why not use just one aggressive hybrid mutual fund for long term goals? This has both equity and fixed income. The rebalancing is automatic, and we do not have to pay tax”. On its…
Continue reading →Here is a list of stocks with low volatility and momentum for June 2021 from the Nifty 100. You can also get the historical data from March 2019 to June 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 →In this article, let us discuss which categories of mutual funds we can use for 3-5 year financial goals in response to a question on our YouTube channel. We had recently discussed which equity mutual funds to use for 8-9 years SIP and pointed out that asset allocation and risk management is more important than…
Continue reading →On May 27th 2020, the Reserve Bank of India released its annual report for 2020-2021. On page 93 (II. Economic Review), a section titled, “Is the Bubble in Stock Markets Rational?” caught the eye of the financial media. Over the last couple of days, we have received several emails and comments from worried investors regarding…
Continue reading →In a Q and A session held on our Youtube channel yesterday (linked below), we encountered two similar questions: Kohila asks, “we have two goals, retirement, our son’s education which is 8 years and 12 years away. Should we use the same mutual funds for both or separate funds?” Bala Gurunathan asks, ” I have…
Continue reading →In this article, let us consider an example of calculating the annualized return from a stock investment after accounting for corporate actions like dividends and stock splits. We shall consider Colgate-Palmolive the oldest stock in my portfolio. The calculator used in this illustration can also handle bonuses, buybacks and rights issues. It was first released…
Continue reading →A viewer on YouTube wants to know which equity fund should one use for an 8-9 year SIP. She/he had also listed three funds to choose from. Their names are not important here. This type of question is perhaps the most common among those invested or interested in mutual funds. Unfortunately, this question is wrong….
Continue reading →A young earner asks, “I’m 22 and started working in an IT company 1 year ago. I save around 50k per month and also have a saving of around 7 lakhs from joining bonus etc. I fall under the 30% tax bracket, and my EPF contribution is around Rs.4700 monthly. I have not started investing…
Continue reading →Mr X is a US-based NRI. In this episode of reader-story, Mr X explains his current investment strategy with a bit of history and reasons to finalize this strategy. It might help a fellow investor in the same position. The investment choices were heavily influenced by the websites mentioned in the references section at the…
Continue reading →I received this question from a reader who prefers anonymity. “Dear Pattu sir, I recently became a parent and started investing for my son’s college education expenses (UG). I am debating whether to include post-graduation (PG) costs into my goal. I did my MBA with an education loan. The fear of completing that loan made…
Continue reading →Aditya Birla Sun Life Nifty 50 Equal Weight Index Fund is an open-ended scheme tracking the Nifty 50 Equal-Weight TR Index. In this review, we analyse the performance of the underlying index by comparing it with NIfty 50 and Nifty Next 50 total return indices. What is an equal-weighted index? The NIfty, Sensex, Nifty 100,…
Continue reading →This article discusses why we purchased a second set of base health insurance and super top-up health insurance. Regular readers may be aware we hold a United India Health Insurance policy from 2006 and have so far made four claims with it. It has so far helped me at the time of need (two cashless…
Continue reading →Balaji asks, “Dear Pattu Sir, You have given proof over and over again that one should not expect any particular return from investing in mutual funds and that there are no guarantees, I have just started my mutual fund investment journey. May I know how much risk or loss I should expect? This will help…
Continue reading →This is my monthly retirement stock portfolio update 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….
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