How to choose a health insurance policy (with a shortlist)
In this article, SEBI registered fee-only advisor Ajay Pruthi explains how to choose a health insurance policy. About the author: Ajay Pruthi is a
Worried about market volatility due to elections? Try goal-based risk management
Are you worried about market volatility due to the elections and beyond? You can easily reduce portfolio risk with these simple steps we refer to as
Index fund tracking error screener May 2024
This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate
How are multi-asset funds taxed?
Taxation of multi-asset funds can be complicated—a simple explanation of the rules and how to choose funds in this category.
Why the NPS must be modified to accommodate changing needs
We discuss modifications that can make the National Pension Scheme (NPS an attractive retirement solution accommodating changing needs. The New Tax Regime
How should I invest my Rs. 5 Crores retirement nest egg?
A reader says, "I am investing next month with a nest egg of Rs. 5 Crores. Please guide me on how to invest this for a peaceful retirement. I am 55 years
ETF tracking error screener May 2024
This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how
Which will fetch more returns over 15 years, a SIP or a lump sum investment?
A reader asks, "Which will fetch more returns over 15 years, an SIP or a lump sum investment?" Comparing the returns of a SIP with a lump sum investment
Investment & Financial journey of a 23 year old
I am a 23-year-old girl living in Mumbai and the sole breadwinner of my family of 4. I work as a Graphic Designer at a publishing company with an in-hand
What are some tax-efficient alternatives for debt mutual funds?
A reader says, "Given the changes in debt fund indexation benefits, I come across market veterans recommending equity savings and multi-asset funds as
NPS Portfolio Tracker on Google Sheets
After repeated requests from users of our mutual fund and stock tracker, the freefincal team is happy to present an NPS Portfolio Tracker on Google
Why Personal Finance is Personal: Customized Solutions for Financial Success
I've recently started earning, and while my salary isn't substantial, I'm eager to dive into investing. However, I'm uncertain whether the monthly
Is it Possible to Gauge Post-Retirement Equity Exposure without a Calculator?
A reader wants to know, "Can I find out how much I need to invest for retirement without a calculator? Is there any thumb rule for this? Similarly, can I
Equity Mutual Fund Screener May 2024: Shortlist consistent performers
The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can
How a couple reached their desired asset allocation after starting late
In April 2022, we met Arka and Rupali, who are trying to balance their aspirations, like travelling and exploring new opportunities, with their quest for
How to handle real estate in a retirement portfolio?
A reader asks, "If there is a Real estate component (physical) in a retirement planning portfolio, what is the best way to consider this during the
Should Professionals or Business Owners File Form-10IEA for continuing in Old Tax Regime?
In this article, Manmohan Sethumadhavan, answers the question, "Should Professionals or Business Owners File Form-10IEA for continuing in Old Tax Regime
Stocks with low volatility and momentum for May 2024
We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different
Watch my talk on active vs passive investing in India
This is a talk I gave in the bi-monthly meeting of the Tamil Nadu Investors Association (SEBI recognised) on March 24th 2024. I have recorded it
Exploring Investment and Insurance Options Before Moving to the Middle East
I wrote an article on the investment options if a person is moving to the USA. You can read it here - What should I do with my investments if I wish to
Motilal Oswal Nifty 500 Index Fund Fees slashed by 60% – should you invest?
Many passive investing fans are excited by the 60% reduction in the fee (total expense ratio or TER) of Motilal Oswal Nifty 500 Index Fund. Does investing
What pension will I get from NPS if I exit today?
A reader asks, "What are the current NPS Annuity Rates? How can I find the pension I will get for my corpus if I exit today?" The NPS is a market-linked
I finally managed to share all financial details with my wife!
It is quite common to see one partner (either the husband or the wife) utterly uninterested in money management and investing. They take for granted that
Analyzing the growth of my 14-year-old NPS portfolio
I have invested 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
Will F&O trading on Nifty Next 50 impact index investors?
Futures and options trading on Nifty Next 50 commenced on April 24, 2024. Will this impact the index and, therefore, its passive investors (via index