Anand has an interesting question, “Dear Pattu Sir, I was looking to invest in a mutual fund offering regular dividends* but I can only see the returns of the growth option listed everywhere. Can you please explain why dividend option returns are not published?” * SEBI has mandated that mutual fund dividends be called “Income…
Continue reading →A young reader writes, “Hi Sir, I’m 27 years old, recently finished my PG & earning 1.2 Lakhs per month post-tax. Using my first few months salary, I have paid off my UG education loan & a property loan. I have to start paying my PG loan EMI of 35,000 per month from Oct”. “Currently,…
Continue reading →In this edition of the reader audit, we meet Shrawan, a computer science engineer working in IT since Sep 2012. He explains how he adopted a goal-based investing approach and utilised the current bull run for pruning his mutual fund portfolio. I am grateful to readers for sharing intimate details about their financial lives for the…
Continue reading →Get the freefincal robo advisor tool to plan from start to finish for retirement (early, normal, before and after), non-recurring financial goals (child education) and recurring financial goals (holidays, appliances etc.). The tool would help anyone from ages 18 to 80 to plan for their retirement, six other non-recurring financial goals and four other recurring…
Continue reading →I have been investing in the National Pension Scheme (NPS) since 8th March 2010. This is a performance report of how the NPS invested has fared over the last 11+ years. We also compare the returns with EPF. I have been part of the NPS since 2006. However, the NPS was not ready for investment…
Continue reading →HDFC Developed World Indexes Fund of Fund is an open-ended fund of funds scheme investing in units/shares of overseas Index Funds and/or ETFs, which will, in aggregate, track the MSCI World Index. The fund is currently in its NFO stage. In this review, we shall discuss HDFC MF’s plan to invest in a basket of…
Continue reading →In this episode of “how I increased my income with side-hustles”, we meet Apoorva, who followed her passion and built a successful book club for children on Facebook. About this series: We all appreciate the importance of a higher income but increasing our income is not easy. It requires time, effort, sacrifice, dedication and opportunities….
Continue reading →A viewer on our YouTube channel asks, “Sir, at present, my age is 24. For the last 2 years, I have invested in Sbi small cap Rs. 1200 a month. Recently 4 months back, I started SIP in these funds. Mirae asset emerging Rs. 1100; Parag Parikh Flexicap Fund Rs. 1100; MO Nasdaq 100 Rs….
Continue reading →This is a passive fund screener based on tracking error and return difference wrt benchmarks. The screener will help a user evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help a understand how tracking a midcap index or the Nifty 100, 500 is quite different from tracking the Sensex…
Continue reading →A viewer on our YouTube channel asks, “What is the benefit of a mutual fund beating the index? How it is going to benefit a common investor?” On the face of it, this seems like the answer is obvious, but that is not true because of how the real cost of investing in a mutual…
Continue reading →We list some of the worst mistakes to be avoided while investing in mutual funds. This list is sourced from the questions we have received or encountered at Facebook group Asan Ideas for Wealth over the past 9+ years and is equally applicable to any capital market-related investment product or strategy. 1. I want to…
Continue reading →In this episode of “how I increased my income with side-hustles”, we meet Ayushi Mona who has ten years of versatile side-hustle experience in content writing, marketing, teaching and coaching. She is also financially savvy and helps young earners with the basics of money management. She discusses how side hustles helped her learn many new…
Continue reading →A reader who prefers anonymity asks, “Dear Pattu Sir, my wife is not interested in personal finance. She is not interested in know where our investments are or how they are tagged to our goals.” “She has never done an online transaction before had no clue of how to pay bills online and how many…
Continue reading →Piyush asks, “Dear Pattu Sir, You have mentioned several times the importance of portfolio rebalancing. Due to the marker recovery, my equity mutual fund portfolio allocation is now 75%. I want to reduce this to 70%. Can I do this by stopping my SIPS for a few months and invest it in fixed income? This…
Continue reading →The freefincal Equity Mutual Fund Performance Screener (September 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 with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our two courses:…
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