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freefincal

@FreeFinCal

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

 Chennai
freefincal.com/
Joined June 2012
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Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)Photo by freefincal (@FreeFinCal)
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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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

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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Don’t Avoid Equity Just Because FDs Look Better Today freefincal.com/dont-avoid-eq…
Don’t Avoid Equity Just Because FDs Look Better Today

Don’t Avoid Equity Just Because FDs Look Better Today

Even in 2026, one of the most popular investment options for millions of Indians remains the traditional bank fixed deposit (FD). It's easy to see why. An

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Debt and hybrid mutual fund screener (Oct 2026) for selection, tracking and learning freefincal.com/debt-and-hybr…
Debt and hybrid mutual fund screener (Oct 2026) for selection, tracking and learning

Debt and hybrid mutual fund screener (Oct 2026) for selection, tracking and learning

This debt mutual fund screener supports portfolio selection, tracking, and learning. It also includes hybrid funds that invest in bonds. It suits

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The Growing Gap Between Income and Aspirations! freefincal.com/the-growing-g…
The Growing Gap Between Income and Aspirations!

The Growing Gap Between Income and Aspirations!

With each passing day, Indians consume more than previous generations. Their aspirations, dreams, and wants are often higher than their salaries. Whenever

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How much equity can I hold after retirement? freefincal.com/how-much-equi…
How much equity can I hold after retirement?

How much equity can I hold after retirement?

Readers often ask us if there is any ideal or optimal equity exposure after retirement. This question is tricky to answer as it depends on the individual,

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via @News18TamilNadu with @karthickselvaa youtu.be/gRnGYh7yZLw?si=rIx9…
THE PROFIT | இந்த 3 விஷயம் போதும்..100 வயசு வரை பணம் கூட இருக்கும்|...

THE PROFIT | இந்த 3 விஷயம் போதும்..100 வயசு வரை பணம் கூட இருக்கும்|...

THE PROFIT | இந்த 3 விஷயம் மட்டும் போதும்.. 100 வருஷம் பணம் உங்க க...

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Is a safe withdrawal rate relevant to retirement planning? freefincal.com/is-a-safe-wit…
Is a safe withdrawal rate relevant to retirement planning?

Is a safe withdrawal rate relevant to retirement planning?

In this article, we discuss if the oft-used safe withdrawal rate is practically helpful in retirement planning. What is a safe withdrawal rate?  The safe

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This is a talk about retirement planning! youtu.be/1AE74nwkdH0?si=QjLw…
DEBT FUNDS-ல் இவ்வளவு OPTIONS இருக்கா? | Dr. PATTABIRAMAN, PROF.IIT...

DEBT FUNDS-ல் இவ்வளவு OPTIONS இருக்கா? | Dr. PATTABIRAMAN, PROF.IIT...

DEBT FUNDS-ல் இவ்வளவு OPTIONS இருக்கா? | Dr. PATTABIRAMAN, PROF.IIT...

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Retirement at 60: Why an SWP With a Equity MF Is Not a Plan! freefincal.com/retirement-at…
Retirement at 60: Why an SWP With a Equity MF Is Not a Plan!

Retirement at 60: Why an SWP With a Equity MF Is Not a Plan!

I recently watched a video where someone was explaining a retirement plan. The example was a 60-year-old with a comfortable corpus. The advice was to

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