A reader asks, “Had watched many of your videos on asset allocation. I have a question in mind for which maybe I don’t have proper data to back it up. Example: In my case, let’s says I started investing at the age of 26-27and. I have saved enough money for short term goals.” “All my…
Continue reading →This is my monthly retirement stock portfolio analysis compared 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…
Continue reading →The freefincal Equity Mutual Fund Performance Screener (August 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 discounted links to our two…
Continue reading →Nippon India Multi-Asset Fund is an open-ended scheme investing in Equity (including international equity), Debt and Exchange Traded Commodity Derivatives and Gold ETF. In this review, suggested by Basudeb Roy, we consider if it makes sense to use this fund as the core component of a portfolio. The fund was started in Aug 2020, so…
Continue reading →In this edition of the reader audit, we consider the financial journey of a 34-year-old male (who prefers anonymity) working in the private sector. This is how he moved from negative net worth to goal-based investing. We feel proud and blessed that readers come forward to generously share details about their financial life to help…
Continue reading →In this article, I list the lessons I have learnt from following digital marketers. Since many of these lessons are about “how not to do things like them”, no marketer would be mentioned by name. Freefincal readers assume I spend a lot of time reading about investing and personal finance news or related books. The…
Continue reading →HDFC NIFTY50 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, Nifty 500 are examples…
Continue reading →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…
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