You Can Be Rich With Goal-based Investing: A book by Subra & Pattu

Dear reader, I am pleased to announce that my new book co-authored with P V Subramanyam ( is now available for pre-order. The book is titled: You Can Be Rich With Goal-based Investing.

What is the objective of the book?

The book is Subra’s vision and conceived a few years ago. In fact, in his very first phone call, Subra mentioned this idea: A “how-to” book with the text discussing the right questions to be asked, simple answers to these questions and a set of calculators in which the reader can provide personalised inputs to obtain answers.

It is, what I refer to as an action book in the sense that it urges the reader to take action after pointing them in the right direction.


Who is the book suitable for?

Here is the two-minute book trailer that explains what one can expect from the book. I hope you like it.

You can be rich too with goal-based investing | book trailer

The book is a crisp non-technical description of money management and does not contain a single equation (well just one, which is trivial to understand!).

I have also created a dedicated landing page for the book explaining its features: You Can Be Rich Too With Goal-based Investing

All chapters will appeal to a beginner.

Those who understand the basics  and those who are experts will find the following particularly useful:

1 quantitative and qualitative selection techniques of equity and debt mutual fund

2 Investment portfolio Construction

3 The online calculators that are part of the book.

What does the book contain?

Unless we ask the right questions, we would be looking in the wrong place for the right answers. The first four chapters of the book focus on such questions:

1 Where are you today?

2 Where do you want to go?

3 What resources do you have?

4 How much risk can and will you bear?

Then the solutions are discussed (non-technical, no math).

5 Allocating your assets to minimise risk

6 A vehicle called mutual funds

7 Portfolio construction requires discipline not IQ.

8 Life and Health Insurance

9 Records to be maintained

10 Mistakes to be avoided

11 How to stay away from new products

Then follows a detailed description of equity and debt mutual funds and how to choose them.

There are about 9 calculators associated with the book. They will be hosted online and those who have purchased the book can access them.

Some of these illustrate the power of compounding, some for goal planning (a new version of the integrated financial planner is included) and tracking investments and goal value. I have done my best to keep the calculators distinctly different from the ones found here.

The book contains a detailed description of the calculators. There is also a glossary that contains important investment terminology.

What does the book cost?

Rs. 399/- for the hard-bound version (170 pages). Bookadda currently offers it for Rs. 371 (no shipping charges). It will soon be available with other sellers like Flipkart too. An e-book version will be released soon.

Publisher: TV18 Broadcast Ltd (CNBC TV18)

Where can I order it from? Rs. 399. The book is also available on Kindle at (Rs. 244.30) or at ($3.36 or Rs. 244.30).

Flipkart Rs. 359.

Bookadda Rs. 371. A discount of Rs. 28. No shipping charges.

Infibeam Rs. 307. Discount = Rs. 92. Shipping of Rs. 40 will apply if you just buy one copy 🙂 (ie less than Rs. 500) Jeethendra tells me infibeam delivers faster. Rs. 371. No shipping charges.

Check out Reviews for You Can Be Rich Too

Ten reviews are available for our new book, You Can be Rich with Goal-based investing. Here is a sample:

The only book you need to get your hands on if you are lost in the financial jungle. Do it immediately. Simple, practical, crisp and precise.
The best gift that a young earner can receive.Kudos to the authors. – Karthik.

Check out the other reviews

Request to Write a Review

If you have read the book, please review it at Amazon/Flipkart/Infibeam/Google Play. It will make us better writers.


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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman is the co-author of two books: You can be rich too with goal based investing and Gamechanger. “Pattu” as he is popularly known, publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners. Contact information: freefincal {at} Gmail {dot} com He conducts free money management sessions for corporates (see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints.

Content Policy

Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.
Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

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Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.  It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.
Updated: September 4, 2018 — 5:32 am


Add a Comment
  1. Congratulation…!! I heard of it in recent Mumbai workshop. Now I will be eagerly awaiting its release.

  2. Congratulation ! Sir . it will definitely help us.
    Thanks a lot.

  3. Can you bring some books to Hyd Workshop? I’ll be ready to buy there.

    1. I would rather not! They should soon be available at bookstores soon.

  4. Congratulations on your new book. I am sure it will be of great help to newbies like myself. In the current economic scenario, many middle management IT professionals face the risk of sudden job loss. Many of them will not be diligent investors, rather would have accumulated some corpus(75+ lakhs) but not efficiently managed. What are your inputs for such a population, to proactively generate regular income while still holding onto a job.

    1. Thank you. There is no need to generate income when you earn. I would suggest focussing on building the corpus.

  5. Terrific! Happy to see you power ahead as an author of a book on personal finance. Congrats Pattu

  6. congratulations for co-authoring, both of my guru!

    1. Thank you, sir.

  7. Pre-ordered.. Awaiting for the book with combo (Subramoney+ freefincal) offer.

    1. Great. Thank you.

  8. is the book for young earning people?

    anything for people close to retirement or post retirees?

    1. There are topics on portfolio constructions and mutual fund selection which will appeal to all. You can see my e-book: E-book: Post-retirement income generation strategies

  9. Congratulations Pattu!! Another accomplishment in your writing career 🙂
    All the best and take care of your health.

    1. Many thanks Anand.

  10. Congrats Pattu Sir !! On your new and probably first book on personal finance along with PVS, pre ordered eagerly waiting for arrival of the book

    1. Thank you, sir.

  11. Thanks a lot, Pattu and Subramanyam sirs! Book has been pre-ordered!

    1. Thank you very much.

  12. Congrats !!! I have pre-ordered !!!

    1. Thank you 🙂

  13. Thanks and Congratulation to Subra and Pattu sir !

    Just pre ordered .

    Eagerly waiting to get the best of both of you !

    1. Good to know. Thank you.

  14. Congratulations and hope it becomes a blockbuster.

  15. This is really a nice move. I have already placed my order to have it. One of the item you stated that there are calculators. I mean are you going to provide CD which can be run trhough? I believe it will be useful thought if you can include relted calculators programs in CD attached to the book. I am readyto contribute towards the addition expenses for the same which may incurr for all the numbers of book published.

    Let’s communicate in details by mail.

    Wishing you all the best.

    1. Thank you. The calculators will be available on a dedicated website.

  16. Congratulation sir, i am really happy for you.

    1. Thank you so much.

  17. Congrats Pattu. Pre-ordered already on bookadda. Looking forward to reading it

    1. Great. Thanks Prashanth.

  18. Congrats Pattu, A lot of people will be benefited.

  19. Congratz to both you ans Subra sir. All the best for the book sales which is mutually benefited for readers and authors 🙂

    1. Thanks Jason, Appreciate it 🙂

  20. Congratulations to both of you for coming up with this book, I have already placed the order. I will pass on the info to all my friends and relatives- since not everyone is computer savvy. A printed book readily available on hand for reference and advice is a great boon.

    My advance wishes for a tremendous success.

  21. I live in UK
    When would you be able to release the E book please

    1. Within a month. Thanks.

  22. look forward to a kindle version, thanks!

  23. Congratulations to both the authors. I wish to inform that while ordering through Amazon, there is a difficulty in updation of address even though I had been a customer there for more than 2 years now. I chose Infibeam to pre order the books.

  24. Ordered your book. :Looking forward to learn.

  25. i need e-book as i am NRI, when i can expect…

    1. A Kindle edition will be out soon.

  26. Cograts Pattu

  27. Thank you pattu sir… waiting for the delivery to happen .

  28. I have had this question for a long time….

    I have an investment in a particular mutual fund and if due to a market crash, the other investors in the mutual fund withdraw heavily from the mutual fund in which I am invested, will the performance of the mutual fund be affected in anyway because of this?

    So from this perspective is it better to invest directly in stocks individually instead of investing via mutual funds?

  29. I am waiting for the delivery of the book.
    Congratulations and thanks to both of you for this book.

    1. Thank you 🙂

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