Here is another interesting question from a reader who wishes anonymity: I have the following question: Should I stop investing in mutual funds? I am a government employee working in academia. My income is stable, and I wish to retire at the normal age of 60. My current age is 37, and so far, I have…
Continue reading →Here is a list of stocks with low volatility and momentum for August 2021 from the Nifty 100. You can also get the historical data from March 2019 to August 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 →A reader who wishes to be anonymous asks, Hello, I was avidly reading about your answer to a 30-some reader. It was surprising that you need an 8+ crores rupee to sustain a lifestyle with 40000+ monthly expenses. And I am very worried (despite living in my own house-fully paid up, owning another property worth…
Continue reading →This is the final part of the 2-Part series on how to make remote working work for you. Vishal Kataria takes a deep dive into how you can kickstart and sustain a career in remote working — particularly freelancing. Vishal has more than seven years of experience as a remote worker and has taken the trouble…
Continue reading →This article discusses how to distribute a retirement corpus into different segments, aka buckets, to generate inflation-protected income. This stems from a YouTube comment from Anil Rai. “Dear Dr Pattu, I am a silent subscriber of your excellent posts. This is my 2nd comment post in the last 1 year. This video (linked below) is…
Continue reading →In this article, we consider the tracking errors of Motilal Oswal S&P 500 Index Fund (MO-SP500), Motilal Oswal Nasdaq 100 ETF (MO-N100ETF) and Motilal Oswal Nasdaq 100 Fund of Fund (MO-N100FOF). In a previous article, we saw that most international equity funds fail to beat the S&P 500 TR (INR). So the issue of tracking…
Continue reading →In this article, SEBI registered fee-only advisor Swapnil Kendhe explains why and how he uses the unified portfolio approach (one portfolio for all goals similar in duration) to manage his money and that of his clients. About the author: Swapnil is a SEBI Registered Investment Advisor and part of my fee-only financial planners’ list. You…
Continue reading →In this article, we compare the performance of international equity mutual funds (based in India and available for the retail Indian investor) with the S&P 500 Total Return in INR over the last one, two and three years as of July 23rd 2021. If we exclude the international index funds tracking the Nasdaq 100 and…
Continue reading →If I say that I never frowned at the prices of air tickets, I’d be lying. Most of us are always on the lookout for cheap flight tickets. This holds especially true for those who love to travel. Believe me, I have a friend who once booked a ticket only because it was cheap. He…
Continue reading →The first fact sheet of Parag Parikh Conservative Hybrid Fund (PPCHF) is now available. The fund now has an AUM of Rs. 292 Crores. This provides some more clarity on the nature of the fund and who should invest in it. During the NFO period of the fund, we had pointed to several unknowns about…
Continue reading →One of the best aspects of the freefincal reader community is their willingness to write about their experiences and portfolio details to help and inspire fellow DIY investors. In our 12th reader audit, we have an academic (name withheld on request) sharing his personal money management journey. Previous articles in this series are linked at…
Continue reading →I recently had an interesting discussion with a 22-year-old. The person who prefers anonymity wanted an opinion on what he should focus on for a side hustle (source of extra income): trading – which he is interested in; has started learning a course or freelancing – he has done a course on digital marketing; is…
Continue reading →In this article, Vishal Kataria explains how to become an effective remote worker, be it an employee, freelancer, or entrepreneur. He has more than seven years of experience as a remote worker and has taken the trouble to interview friends with the same lifestyle to get their insights. The idea for this article came to…
Continue reading →In the ten-plus years that I have been making retirement calculators, I have received several questions on the inputs: what inflation rate should I take after retirement? What return should I assume before/after retirement? How should I account for current expenses? What should be life expectancy? And so on. One question that has never been…
Continue reading →Kotak Global Innovation Fund of Fund is an open-ended fund of fund investing in Wellington Global Innovation Fund (or any other similar overseas mutual fund schemes/ETFs). The fund of fund is currently in its NFO period (closing 22n July 2021). The scheme mandate of the underlying fund – Wellington Global Innovation Fund – seeks long-term capital…
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