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Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. All our offerings are research-based, thorough, and entirely academic, meant as discourse, educational material, or educational tools for the reader/user. We do so without conflict of interest and bias. Please see the About page to learn more about us and our guiding principles.
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Thanks to our loyal community of readers, Dr M. Pattabiraman (PhD), the founder, managing editor and primary author of freefincal, has been profiled in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators.
Pattu was also profiled for the Guru Portfolio series of LiveMint in March 2024. You only need a fund where returns remain consistent: Freefincal’s Pattabiraman.
His journey to financial independence has been featured on LiveMint: Light the FIRE and Lose the Fear of Getting Fired. And Can your FIRE dreams get past the COVID-19 impact?
He has also worked with SEBI to create nine investment calculators and a financial health check tool.
How to use our site: Many readers ask, “Where do I begin reading your articles?”. We believe a better approach is to ask yourself, “What aspect of personal finance do I need help with?” Then, use those terms to search for articles – you can use the search bar head or head to Google and search for something like retirement planning freefincal. This is the most efficient way to get used to our content. Also, before reading an article, please check the publication date, as taxation rules may have changed.
Use the re-assembly guide linked below if you need step-by-step guidance to sort out your financial life.
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Here is some of our featured content to help you get started
- Use our Robo-advisory Excel Template for a start-to-finish financial plan! More than 1,000 investors and advisors use this! Get it now at a 20% discount!
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- We provide monthly stock screeners, equity mutual fund screeners, debt mutual fund screeners, index fund and ETF tracking error screeners!
Do more! Subscribe to our YouTube Channel. It has more than 1000 video versions of our articles.
Podcast! Let’s Get Rich with Pattu, produced by Ofspin, is a weekly podcast on money management. Each episode will cover one aspect of money management – insurance, emergency funds, planning for retirement, financial independence and early retirement, buying vs. renting and more.
Ways to listen:
- Let’s get rich with Pattu on Audible
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(1) This is a seminar on the basics of portfolio construction: A guide for beginners
get more details about our Online Course on Goal-based portfolio management
(2) Watch the talk given to World Bank Employees in Feb 2019: Common sense approach to managing money.
(4) Index investing options in India: a talk given to members of the Tamil Nadu Investors Association
(4) Re-assemble is a free step-by-step guide to help you manage money
Download Re-assemble: Step-by-step money management basics for beginners
(5) If you are a new mutual fund investor, get this Free e-book: Mutual Fund FAQ 100 essential Q & A for new investors! This will help you invest in mutual funds with focus.
(6) Want to know how to retire early in India? Check out the free ebook!
(7) We have other books too! Here is the full listing!
(8) We provide a list of mutual funds for specific goals each quarter: Plumbline: Handpicked Mutual funds
(9) Do you want professional financial advice? Consult our list of SEBI-registered fee-only financial planners! They will guide you without any conflict of interest.
(10) Other tools are available in the main menu! Check out our other free stuff in the page footer! Use the search bar in the main menu to explore our site!
(11) We do not offer personal financial advice. If you have a generic investing question, sign up for our email newsletter and hit the reply button!
Our logo is a mirror-reflected % sign. The % represents investment returns or rewards. The flipped % signifies the importance of considering the risks associated with any reward. These are two variants of the logo.
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Use our Robo-advisory Tool for a start-to-finish financial plan! ⇐ More than 2,500 investors and advisors use this!
Track your mutual funds and stock investments with this Google Sheet!
We also publish monthly equity mutual funds, debt and hybrid mutual funds, index funds and ETF screeners and momentum, low-volatility stock screeners.
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About The Author
Dr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter(X), Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! ⇐ More than 3,000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market condition is!! Watch the first lecture for free! One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
Our new course! Increase your income by getting people to pay for your skills! ⇐ More than 700 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner who wants more clients via online visibility or a salaried person wanting a side income or passive income, we will show you how to achieve this by showcasing your skills and building a community that trusts and pays you! (watch 1st lecture for free). One-time payment! No recurring fees! Life-long access to videos!
Our new book for kids: “Chinchu Gets a Superpower!” is now available!
Must-read book even for adults! This is something that every parent should teach their kids right from their young age. The importance of money management and decision making based on their wants and needs. Very nicely written in simple terms. - Arun.Buy the book: Chinchu gets a superpower for your child!
How to profit from content writing: Our new ebook is for those interested in getting side income via content writing. It is available at a 50% discount for Rs. 500 only!
Do you want to check if the market is overvalued or undervalued? Use our market valuation tool (it will work with any index!), or get the Tactical Buy/Sell timing tool!
We publish monthly mutual fund screeners and momentum, low-volatility stock screeners.
About freefincal & its content policy. Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than three million readers a year (5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified with credible and knowledgeable sources before publication. Freefincal does not publish paid articles, promotions, PR, satire or opinions without data. All opinions will be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
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Our publications
You Can Be Rich Too with Goal-Based Investing
Published by CNBC TV18, this book is meant to help you ask the right questions and seek the correct answers, and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want
This book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at a low cost! Get it or gift it to a young earner.Your Ultimate Guide to Travel
This is an in-depth dive into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, and how travelling slowly is better financially and psychologically, with links to the web pages and hand-holding at every step. Get the pdf for Rs 300 (instant download)