A viewer on our YouTube channel asks, “Sir, are conservative hybrid funds a good alternative for FD? Especially the Parag Parikh Conservative Hybrid Fund. They seem to be investing only in govt bonds, and for stable returns, they are investing in dividend stocks like ITC and coal India. is this fund safe?” Let us expand…
Continue reading →This time on reader stories we meet a 24-year-old budding lawyer who prefers the pseudonym Mr Rakmo Hurtak. He believes his investment strategy is ‘okay’ (for his age and circumstances) but has a curious problem. He is not satisfied with “wealth creation” and needs a goal for his investments! This is of course fantastic as a…
Continue reading →A reader asks, “I have a query regarding mutual fund expense ratios. Let’s say, we have Fund A with 5-year returns of 15% and expenses of 0.5%. Fund B, with returns of 18% with an expense ratio of 1.2%”. “I consider Fund B as a better fund as it has a better return even after…
Continue reading →Many advisors and personal finance enthusiasts believe that “Indians are not ready to pay for financial advice”; “products and associated advice should be “pushed” with incorrect expectations ” and the like. Nothing could be farther from the truth. Indians (like any other person from any other country and like any other sensible buyer) are more…
Continue reading →Investors will be able to invest in Silver for the first time via ICICI Prudential Silver ETF (NFO period Jan 5 – 19 2022). Exciting as this may sound, investors need to appreciate several aspects of investing in silver and investing in it via ETF. A discussion. Before we begin, it must be understood that…
Continue reading →Here is a list of stocks with low volatility and momentum for January 2022 from the Nifty 100. You can also get the historical data from March 2019 to January 2022. 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 →1st Jan 2022 marked the 9th anniversary of direct plan mutual funds. In this article, we list the most popular direct plan mutual funds – that is the ones with the largest AUM. The AUM (asset under management) of mutual funds reported in most online portals is the total value. AUM of the regular plan…
Continue reading →This week we evaluate the performance of Kotak Flexicap Mutual Fund and find out if its large AUM (Rs. 36.,661 Crores) is affecting its ability to be a flexicap fund and therefore its performance. The market cap allocation history of the fund is shown below. The fund has operated as a large and mid cap…
Continue reading →A reader asks, “I am 39 yrs old. I am planning to take early retirement in the next 15 months. I have a savings corpus of 1 Cr INR. My monthly requirement is 50 K INR. I need help with two things: 1) advice if this can be done and 2) If yes, then investment…
Continue reading →As regular readers may know, we publish an annual personal finance audit every December – our 2021 audit was posted a few days ago. Since last year regular readers have been sharing their investment journey and portfolio reviews. Suhas who was among the first to do this shared an update last week: Why I hiked my…
Continue reading →In this article, we look at how 200 indices representing the stock market, bond market and other asset classes performed in 2021. This is measured with 361 days absolute return from 1st Jan 2021 to 28th Dec 2021. Note: The following information should not be used for making investment decisions. Past performance is not an…
Continue reading →These are the freefincal handpicked list of mutual funds for January-March 2022. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and was started in Sep 2017 for beginners to accompany the freefincal robo advisory tool. Most important! Plumbline is a mix of my opinions + skin…
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 →Jan 1st is just another day, but we tend to think of it as a time for new beginnings. If you are looking to do a better job managing money, here are 17 personal financial resolutions and resources to consider for the new year. In his 2013 Ted Talk, former Google search quality chief Matt…
Continue reading →This article compares the 2021 performance of 367 actively managed equity-oriented mutual funds with category benchmarks. The 2021 performance refers to the 357-day absolute return from 1st Jan 2021 to 24th Dec 2021. All index returns refer to total returns (including dividends) unless otherwise stated. Note: The goal of this study is just what is…
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