Rolling return charts have become prominent over the last few years, especially for mutual fund analysis. However, few investors understand how rolling return charts are computed and their benefits and limitations. A discussion. Rolling lump sum, rolling SIP, and many other mutual fund and time series analysis and financial planning tools are available in the…
Continue reading →This article explains how a simple cash flow projection can significantly impact our goal-based financial planning. When I started creating Excel sheets in 2010-11, I slowly realised that all goal-planning must culminate into a cash flow projection. The freefincal robo advisor tool automatically creates a cash flow projection with goal-planning results. If the user chooses…
Continue reading →This is a debt mutual fund screener for portfolio selection, 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 PSU funds, etc. The credit quality of the bonds in the portfolio and the bond maturity profile can be tracked….
Continue reading →I am Narayanan. I am from Chennai, and I am 39 years old. I was late to investing, starting my career around 2008, and started investing peanuts in MF around 2015, increasing it substantially from 2018. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of…
Continue reading →We address a reader’s concerns about mutual fund investing. He writes, “As I continue my journey to financial independence, a few concerns have occupied my thoughts recently”. 1. Safety of Direct Investing on Mutual Fund AMC Websites “I have often contemplated investing directly through mutual fund AMC websites to minimize hassle. However, I am apprehensive…
Continue reading →Many people make two mistakes while planning their finances. The first common mistake is presuming that equity mutual funds provide a 12% (or more!) return and utilizing that figure to calculate the necessary investment amount. Regrettably, this approach entirely disregards asset allocation and the reality that investing 100% in equity is not feasible. Even those…
Continue reading →This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help to understand how tracking a midcap index or the Nifty 100, 500 differs from tracking the Sensex or…
Continue reading →A reader says, “I am 21 and about to start my first job. How do I figure out how much to invest in equity mutual funds and how much to invest in fixed income? My friends tell me to invest 80% to 100% in equity. Is this correct? There is no right or wrong answer…
Continue reading →Recently, a reader asked, “Can the freefincal robo advisor tool handle my situation? I am 40 years old and have Rs. 1 Crore cash in the bank. I have no other investments (don’t ask why; it’s a long story!). I want to retire by age 55. How should I invest this Rs. 1 Crore for…
Continue reading →In Jan 2023, Pretorius shared his investment journey for our reader story section: How I learnt to keep it simple and build a net worth 19 times my annual expenses. He followed it up with an update in Jan 2024: My Investment Journey to a net worth 29 times my annual expenses. This is an update! About this series: I am…
Continue reading →This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is…
Continue reading →In this article, we discuss two different questions on asset allocation. Reader (1) says, “I am 25 years old and in a well-paying IT job. After all my expenses, including supporting my family, I can comfortably invest around 100% of my monthly expenses. I am investing it purely in equity to catch up with my…
Continue reading →For decades, a “stable job” has been a cornerstone of financial planning in India. Parents encouraged their children to seek government jobs or corporate careers with gratuity, provident funds, and bonuses. But as times have changed, so have aspirations and economic realities. Today, freelancing—working independently without being tied to a single employer—is no longer just…
Continue reading →The latest freefincal Equity Mutual Fund Performance Screener 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 with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool…
Continue reading →In this article, Sunil shares how he and his friends and family came together to assist a student with this medical college tuition. Sunil believes, “While we always discuss our own personal finance improvement, many of us also want to help society by supporting education or medical support. The support can help a needy family…
Continue reading →