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freefincal

@FreeFinCal

Insights on MFs, stocks, risk; By @pattufreefincal * Reach your goals like a pro https://teapawt.org/t.co/IqCtaubFL2 * Build Passive Income https://teapawt.org/t.co/OSj0cVfg6X

 Chennai
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Joined June 2012
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Join our two courses run in exclusive Facebook Groups: 1) Reach your goals like a pro! Goal-based portfolio management (1900+ members) bit.ly/2RaqNdG 2) Earn from your skills! Build lifelong passive or active income! (520+ members) bit.ly/3omPGCM
Join our online course on goal-based portfolio management!

Join our online course on goal-based portfolio management!

Goal-based portfolio management is an online course to reduce fear, uncertainty and doubt while investing for a financial goal. 3000+ members of our

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Traditional retirement planning calculations rely on linear assumptions. Find out why they can be misleading in my latest guest article for @FreeFinCal Investing For Retirement Without The Use Of Steady State Assumptions : A Case For Zero Real Returns freefincal.com/investing-for…
Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns

Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns

Traditional retirement planning models and calculations rely heavily on the use of assumptions. Most individuals assume long-term post-tax returns of,

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Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns freefincal.com/investing-for…
Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns

Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns

Traditional retirement planning models and calculations rely heavily on the use of assumptions. Most individuals assume long-term post-tax returns of,

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Stocks with low volatility and momentum for Nov 2026 freefincal.com/stocks-with-l…
Stocks with low volatility and momentum for Nov 2026

Stocks with low volatility and momentum for Nov 2026

We publish a monthly list of low-volatility, momentum stocks. We provide data for BSE 500 and BSE 100 stocks. Update: Starting March 2026, we have

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Can I coast to FIRE in 10 years? freefincal.com/can-i-coast-t…
Can I coast to FIRE in 10 years?

Can I coast to FIRE in 10 years?

A reader says, "I am 26 years old and recently started working. My monthly expenses are about Rs. 60,000. I aim to aggressively invest for retirement,

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Level Up: The Grown-Up Approach to Manage Your Finances freefincal.com/level-up-the-…
Level Up: The Grown-Up Approach to Manage Your Finances

Level Up: The Grown-Up Approach to Manage Your Finances

In this guest post, SEBI-registered investment advisor Avinash Luthria, who is part of the freefincal curated list of fee-only advisors and fee-only

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A retirement plan for a 28-year-old freefincal.com/a-retirement-…
A retirement plan for a 28-year-old

A retirement plan for a 28-year-old

Let us discuss a retirement plan for a 28-year-old who wishes to retire by age 50. The following inputs and assumptions are used in the retirement

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youtu.be/YWnKU0vzyEE?si=uRJw…
சொத்து இருக்கு, கையில் காசில்லை! ft. M. Pattabiram | Amazing TamilNadu

சொத்து இருக்கு, கையில் காசில்லை! ft. M. Pattabiram | Amazing TamilNadu

சொத்து இருக்கு, கையில் காசில்லை! ft. M. Pattabiram | Asset Rich, Ca...

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How to use rolling return charts (and how not to!) freefincal.com/how-to-use-ro…
How to use rolling return charts (and how not to!)

How to use rolling return charts (and how not to!)

Rolling return charts have gained popularity among DIY investors and advisors for analysing mutual funds. However, few users understand how rolling return

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2 Crores in FDs, Single, 42, Wants to Retire at 50 – Retirement Planning Case Study Part 4 freefincal.com/2-crores-in-f…
2 Crores in FDs, Single, 42, Wants to Retire at 50 - Retirement Planning Case Study Part 4

2 Crores in FDs, Single, 42, Wants to Retire at 50 - Retirement Planning Case Study Part 4

This composite case is built from patterns I see repeatedly in practice. Names and numbers are fictional. I show every calculation so you can check it and

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What does it take to become a successful equity mutual fund investor? freefincal.com/what-does-it-…
What does it take to become a successful equity mutual fund investor?

What does it take to become a successful equity mutual fund investor?

Here is how you can be a successful equity mutual fund investor. This also applies to the long-term direct equity (stock) investing. Understand the true

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How much should I invest to achieve Rs. 1 Crore in five years? freefincal.com/how-much-shou…
How much should I invest to achieve Rs. 1 Crore in five years?

How much should I invest to achieve Rs. 1 Crore in five years?

A reader asks, "How much should I invest to achieve Rs. 1 Crore in five years?". Assuming you are sure that Rs. 1 Crores is the right amount of money,

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Is Gold Jewellery Really a Good Investment? freefincal.com/is-gold-jewel…
Is Gold Jewellery Really a Good Investment?

Is Gold Jewellery Really a Good Investment?

Gold has always been more than just a precious metal in Indian households. It is part of weddings, family traditions, celebrations and, for many families,

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How to Plan for Financial Goals 5-10 Years Away freefincal.com/how-to-plan-f…
How to Plan for Financial Goals 5-10 Years Away

How to Plan for Financial Goals 5-10 Years Away

We discuss how to plan for financial goals 5-10 years away. These goals are neither long-term enough to include equity nor short-term enough to avoid

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Navigating Between Prudent and Reckless Investment Decisions freefincal.com/navigating-be…
Navigating Between Prudent and Reckless Investment Decisions

Navigating Between Prudent and Reckless Investment Decisions

Some investment decisions are prudent with reasonable risk, while others are reckless with unreasonable risk. Some risks have a reasonable chance (not a

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In Tamil youtu.be/vRIfc_RD__4?si=KTZ6…
How to Build Wealth || Financial Expert @pattufreefincal Explains

How to Build Wealth || Financial Expert @pattufreefincal Explains

In this engaging episode, the host and Dr. Pattu, an IIT professor ...

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Will Redeeming First-Purchased Units for Rebalancing Cause a Loss? freefincal.com/will-redeemin…
Will Redeeming First-Purchased Units for Rebalancing Cause a Loss?

Will Redeeming First-Purchased Units for Rebalancing Cause a Loss?

A reader asked an interesting question: "Kindly guide on a rebalance doubt. When you redeem from a mutual fund, the units brought first are sold back to

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Your Retirement Corpus May Fall Short freefincal.com/your-retireme…
Your Retirement Corpus May Fall Short

Your Retirement Corpus May Fall Short

Let us be honest about something. You can build the most careful spreadsheet, run every projection, and still fall short in your retirement corpus. Life

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My Stock Portfolio Analysis: Oct 2026 freefincal.com/my-stock-port…
My Stock Portfolio Analysis: Oct 2026

My Stock Portfolio Analysis: Oct 2026

This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this

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If my salary is low, is financial independence impossible for me? freefincal.com/if-my-salary-…
If my salary is low, is financial independence impossible for me?

If my salary is low, is financial independence impossible for me?

A common response to the investment journeys shared by our readers is, Is financial independence impossible on a low salary? We can't sugarcoat the

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FD Alternatives for 1–2 Years: What the Rolling Returns Show freefincal.com/fd-alternativ…
FD Alternatives for 1–2 Years: What the Rolling Returns Show

FD Alternatives for 1–2 Years: What the Rolling Returns Show

"Where should I park money for 1–2 years if not in a Fixed Deposit?" The post-tax return on FDs simply isn't attractive enough for many investors —

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