So many readers and viewers on YouTube want to know more about floating rate mutual funds as there has been enough propaganda that these funds would benefit if there is an increase in interest rate. Does it make sense to invest in floating rate funds? Are there any simpler alternatives? What are floating rate funds?…
Continue reading →Arjun asks, “Can you please write an article on how new mutual fund investors should track their portfolios?” Today “tracking” an investment portfolio has become extremely easy. Investors are spoilt for choice and, at the same time, swayed by fancy pie charts and textured graphs. But is this tracking? In this article, let us consider…
Continue reading →In this article, Santhosh explains that it is not a crime to want to make more money and why it could be beneficial! This might seem astonishing to a younger audience, but the ground reality is too many people around us have a “money is evil and wanting more is wrong” mindset. A few months…
Continue reading →Sriram has an interesting question: “Dear Pattu sir, thanks to your articles, I have just started investing in equity mutual funds with a 15-year goal. For the fixed income part, I would like to use a combination of fixed deposits and gilt mutual funds”. “My asset allocation is 50% equity and 50% fixed income. As…
Continue reading →This article compares my monthly retirement 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…
Continue reading →In this episode of how I increased my income, we meet Zubin Ajmera who managed to make Rs. 12 lakhs with a side hustle since the lockdown. In this article, he explains the steps needed to start a side hustle and the mindset required to be successful in it. About this series: We all appreciate the importance of…
Continue reading →Ajay writes, “Dear Pattu Sir, I am 28 years old and wish to retire by 50. I have designed a simple retirement plan with EPF and a Sensex index fund, 50% each. I arrived at my corpus using an online retirement calculator. Can you please review the assumptions made in the calculation and let me…
Continue reading →Let us discuss an interesting question received on our YouTube channel. “How can we build wealth that lasts generations?”. This is a topic close to my heart not because I desire to do so but because I have seen wealth erode in my family from one generation to another and I would like to do…
Continue reading →In this edition of the reader story, we meet Vasu, who is two years away from financial independence. He explains his approach to personal finance: “Own what you know, Loan (to) who you know” to maximize risk-adjusted rewards or minimize reward-adjusted risks. About this series: I am grateful to readers for sharing intimate details about…
Continue reading →Every week we receive questions related to our articles on side-hustle and passive income. There is one common thread to many of these questions. Readers appreciate the importance of building multiple income streams for retirement but don’t know where to start. So they ask what is the best niche or the most profitable niche for…
Continue reading →In response to our article, “Do we need to invest in international mutual funds?“, a reader claimed that the Nasdaq 100 or the S&P 500 would beat the Sensex over the long term for sure. Is this just another opinion based on personal faith, or does it have any past performance support? We find out…
Continue reading →Having mutual funds from all AMCs to buy from at the click of a button is a “convenience” only for those who know what they are doing and when to stop. Many young earners make the mistake of starting SIPs in multiple mutual funds from day one. And multiple here means more than 10! The…
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 →In this article, we present the results of a performance analysis of small cap mutual funds compared to the Nifty Smallcap 250, NIfty MIdcap 150 and Nifty Next 50 total returns index. We discuss if it is worth investing in small cap mutual funds. We had recently reported that active mid cap mutual fund managers…
Continue reading →Chitra asks, “Dear Pattu Sir, I have just started my mutual fund investment journey with a SIP in UTI Nifty index fund. I see many investors talk about Nasdaq 100 or S&P 500 funds, but I feel that they are not necessary. Can you please an article about this topic?” The short answer to, “do…
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