Aditya Tejas writes, “Thank you for all your work; I appreciate the time and effort you put into creating relevant, insightful and thought-provoking content. I’ve already gone through your flagship course. It helped me (re)think about my asset allocation, and I’m grateful for your insights”. “Also, I’ve taken notes on your views about “index investing”…
Continue reading →Here is a look inside RBI Retail Direct. This facility allows retail investors to open gilt security account with the RBI and purchase government securities (gilt bonds or gilts) in the primary and secondary market without a fee. We have already discussed in detail who should use RBI Retail Direct and who should not. Please…
Continue reading →In Jan 2021, Gowtham Subramanian discussed how he had started goal-based investing, focusing on asset allocation and how it has made him feel more in control over his finances. In this follow-up audit, he explains why he had to make bold and tough choices, like increasing equity mutual fund investments by 275% and reducing PPF…
Continue reading →This is a debt mutual fund screener for fund selection, fund portfolio 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 and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile…
Continue reading →Motilal Oswal MSCI EAFE Top 100 Select Index Fund is an open-ended scheme tracking the MSCI EAFE Top 100 Select Index. The fund is currently in its NFO period (15th to 25th Nov 2021). This review discusses if investing in this fund makes sense when one can derive international exposure from existing options. The MSCI…
Continue reading →The Nifty Total Market Index consists of 750 stocks covering large, mid, small and microcap segments with stock weights determined by free-float market capitalization. The NSE launched this index in Oct 2021 with a backtested history up to April 2005. This article compares the rolling returns of the Nifty Total Market Index and Nifty 50…
Continue reading →In this article, Vishal discusses why he decided against buying a house and how his mindset towards owning property changed over the years. Note: The following is a point of view and not a recommendation against buying property. It is worth sharing it with the freefincal community as it is a well-thought-out view suitable for…
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 →RBI Retail Direct – a facility that allows retail investors to open gilt security account with the RBI and purchase government securities (gilt bonds or gilts) in the primary and secondary market without a fee – was launched on Nov 12th 2021. In this article, we discuss who should use it and who should not….
Continue reading →Suresh asks, “I would like to consult with one of the SEBI registered fee-only financial advisors on your list. However, I am not able to decide how much fee is reasonable. Can you please write an article on this?”. For those who are new to our community, close to a thousand readers have been working…
Continue reading →In this edition of the reader story, we meet Mr H (name withheld on request), who explains that it is better later than never to get your finances back on track and start goal-based investing. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. …
Continue reading →In this article, we analyze the performance of multi-asset mutual funds and discuss when and how to choose them. This is a new MF category introduced when the SEBI mutual fund categorization rules came into force. Thus the existing funds in this category are about three years old or less, barring exceptions like Axis Triple…
Continue reading →Avijit asks, ” I am in my early forties now (completed 42 this July) and have some ad-hoc investments in MF and stocks so far. I took your goal-based planning course last year. However, since then, I have been only reading one article after the other without making up my mind. I call this analysis…
Continue reading →Aakash, who is 24, asks, “My goal is Financial Independence in 20-25yrs from now. I am rooting for lazy investing and rebalancing. Monthly expenses will be 40k/p.m. and I will be able to invest 40-45k p.m. My request is to take my case and please explain whether it is too late to retire early at…
Continue reading →The freefincal Equity Mutual Fund Performance Screener (November 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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