freefincal Sun, 18 Oct 2026 07:58:43 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.3 https://freefincal.com/wp-content/uploads/2021/10/cropped-Freefincal-favicon-32x32.jpg freefincal 32 32 57044001 no How much equity can I hold after retirement? https://freefincal.com/how-much-equity-can-i-hold-after-retirement/ Wed, 21 Oct 2026 00:30:53 +0000 https://freefincal.com/?p=272336 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, but some general guidelines or thumb rules are possible. Asking this question on the verge of retirement without prior market experience can be harmful. It is essential to...

The post How much equity can I hold after retirement? appeared first on freefincal.

]]> 272336 Is a safe withdrawal rate relevant to retirement planning? https://freefincal.com/is-a-safe-withdrawal-rate-relevant-to-retirement-planning/ Tue, 20 Oct 2026 00:30:58 +0000 https://freefincal.com/?p=207815 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 withdrawal rate (SWR) is the annual withdrawal amount in the first year of retirement divided by the available retirement corpus. Backtests are usually used to determine an acceptable rate. We...

The post Is a safe withdrawal rate relevant to retirement planning? appeared first on freefincal.

]]> 207815 Retirement at 60: Why an SWP With a Equity MF Is Not a Plan! https://freefincal.com/retirement-at-60-why-an-swp-with-a-equity-mf-is-not-a-plan/ Mon, 19 Oct 2026 07:30:48 +0000 https://freefincal.com/?p=366070 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 start an SWP of ₹1.4 lakh a month from an equity fund. Since he does not need that much for his expenses, the remaining amount goes into a SIP in...

The post Retirement at 60: Why an SWP With a Equity MF Is Not a Plan! appeared first on freefincal.

]]> 366070 Index fund tracking error screener Oct 2026 https://freefincal.com/index-fund-tracking-error-screener-oct-2026/ Mon, 19 Oct 2026 00:30:28 +0000 https://freefincal.com/?p=366111 This index fund screener is based on tracking error and return differences wrt benchmarks (also known as tracking differences). It will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help them understand how tracking a midcap index, such as the Nifty 100 or 500, differs from tracking...

The post Index fund tracking error screener Oct 2026 appeared first on freefincal.

]]> 366111 NaviPlan 1.6.0 “Seamount”: A Dedicated Tax Center and a Total Net Worth Card https://freefincal.com/naviplan-1-6-0-seamount-a-dedicated-tax-center-and-a-total-net-worth-card/ Sun, 18 Oct 2026 07:54:06 +0000 https://freefincal.com/?p=366224 Last Updated on October 18, 2026 at 1:28 pm NaviPlan is a privacy-first, local-only portfolio tracker and goal planner developed by Naviran Technologies in association with freefincal. We have covered its multi-asset tracking and goal-based investing features before. The tool has now released version 1.6.0 “Seamount”, and the headline addition is a significant one: a...

The post NaviPlan 1.6.0 “Seamount”: A Dedicated Tax Center and a Total Net Worth Card appeared first on freefincal.

]]> 366224 How to plan for retirement with a custom asset allocation schedule? https://freefincal.com/how-to-plan-for-retirement-with-a-custom-asset-allocation-schedule/ Sun, 18 Oct 2026 00:30:15 +0000 https://freefincal.com/?p=271783 A reader says, “Sir, several times you have emphasized the need to gradually decrease equity allocation step-wise, well before the retirement date. I have seen some illustrations with the freefincal robo advisor tool, and all start with an asset allocation of 60% equity.” “What if a person has a debt-heavy portfolio and wants to increase...

The post How to plan for retirement with a custom asset allocation schedule? appeared first on freefincal.

]]> 271783 Restricted Stock Units (RSUs) Simplified https://freefincal.com/restricted-stock-units-rsus-simplified/ Sat, 17 Oct 2026 00:30:15 +0000 https://freefincal.com/?p=366043 Restricted Stock Units (RSUs) are increasingly becoming an important component in corporate compensation packages. Most young corporate professionals today receive RSUs as a reward during performance appraisals. Middle- and/or top-level management executives typically receive 30-60% of their compensation in the form of RSUs. Optimising RSU benefits therefore becomes an important part of these individuals’ financial...

The post Restricted Stock Units (RSUs) Simplified appeared first on freefincal.

]]> 366043 India Moving Towards a New System of Land Ownership https://freefincal.com/india-moving-towards-a-new-system-of-land-ownership/ Fri, 16 Oct 2026 05:30:02 +0000 https://freefincal.com/?p=366066 When we buy a property, it is natural to assume that the registered sale deed establishes that the seller is the owner and that we have now become the owner. But that is not quite how the Indian system works. India largely follows what is described as a presumptive title system through registration. More simply,...

The post India Moving Towards a New System of Land Ownership appeared first on freefincal.

]]> 366066 ETF tracking error screener Oct 2026 https://freefincal.com/etf-tracking-error-screener-oct-2026/ Fri, 16 Oct 2026 00:30:32 +0000 https://freefincal.com/?p=366105 This ETF screener tracks errors and differences (ETF return minus index return). It will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus the index’s monthly return differences. The lower the tracking error, the more efficiently the ETF tracks the index. Unlike returns,...

The post ETF tracking error screener Oct 2026 appeared first on freefincal.

]]> 366105 2 Crores in FDs, Single, 42, Wants to Retire at 50 – Retirement Planning Case Study Part 3 https://freefincal.com/2-crores-in-fds-single-42-wants-to-retire-at-50-retirement-planning-case-study-part-3/ Thu, 15 Oct 2026 00:30:50 +0000 https://freefincal.com/?p=365798 Last Updated on October 15, 2026 at 5:23 pm 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 reuse the method. This is Part 3 of a four-part case study. Read Part 1 here: Retirement Planning Case...

The post 2 Crores in FDs, Single, 42, Wants to Retire at 50 – Retirement Planning Case Study Part 3 appeared first on freefincal.

]]> 365798 The Financial Advice That Worked for Them May Not Work for You https://freefincal.com/the-financial-advice-that-worked-for-them-may-not-work-for-you/ Wed, 14 Oct 2026 00:30:53 +0000 https://freefincal.com/?p=365949 A few years ago, I stopped seriously looking at buying a bigger house. Not because I couldn’t afford one. Not because I had carefully analysed my own situation and concluded that staying in the current apartment was the better choice.  The truth is far less sophisticated. I stopped because almost every smart person on the...

The post The Financial Advice That Worked for Them May Not Work for You appeared first on freefincal.

]]> 365949 How can you call an Excel sheet a Robo advisor? https://freefincal.com/how-can-you-call-an-excel-sheet-a-robo-advisor/ Tue, 13 Oct 2026 00:30:04 +0000 https://freefincal.com/?p=271581 We recently received an enquiry, and one of the questions was, “How can you call an Excel sheet a robo-advisor?” This is not the first time we have encountered this criticism. Many young earners have claimed that the freefincal robo advisor is “just” an Excel sheet with “macros” and it is not really a robo...

The post How can you call an Excel sheet a Robo advisor? appeared first on freefincal.

]]> 271581 Equity Mutual Fund Screener Oct 2026: Shortlist consistent performers https://freefincal.com/equity-mutual-fund-screener-oct-2026-shortlist-consistent-performers/ Mon, 12 Oct 2026 00:30:40 +0000 https://freefincal.com/?p=366087 The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for equity mutual funds that consistently deliver strong performance. You can screen by fund category & benchmark to identify mutual funds that deliver higher returns than the benchmark while maintaining lower risk. Inside, you get discounted links to our robo...

The post Equity Mutual Fund Screener Oct 2026: Shortlist consistent performers appeared first on freefincal.

]]> 366087 The Bhagavad Gita and Your Portfolio https://freefincal.com/the-bhagavad-gita-and-your-portfolio/ Sun, 11 Oct 2026 00:30:24 +0000 https://freefincal.com/?p=365887 Last Updated on October 11, 2026 at 9:15 am The very first verse of the Bhagavad Gita begins with a question. Dhritarashtra, who cannot see the battlefield himself, asks Sanjaya: What is happening out there? (Chapter 1, Verse 1) Many of us quietly ask this question on a difficult day in the market. We check...

The post The Bhagavad Gita and Your Portfolio appeared first on freefincal.

]]> 365887 Saving: Why We Preserve Today for Tomorrow https://freefincal.com/saving-why-we-preserve-today-for-tomorrow/ Sat, 10 Oct 2026 00:30:12 +0000 https://freefincal.com/?p=365968 In my previous article, I asked a very basic question: what exactly is money? This time, I want to ask another apparently simple question: what exactly is saving, and why do we do it? To understand saving, we may have to go much further back than banks, salaries and bank balances. Long before human beings...

The post Saving: Why We Preserve Today for Tomorrow appeared first on freefincal.

]]> 365968 A Lesser-Known Risk in the Property You Buy https://freefincal.com/a-lesser-known-risk-in-the-property-you-buy/ Fri, 09 Oct 2026 05:30:54 +0000 https://freefincal.com/?p=366061 Another hidden risk in buying property is something many buyers may never consider. You may carefully examine the title deed, obtain an Encumbrance Certificate (EC), check the revenue records and verify the previous sale deeds, and still miss an arrangement that has created rights in the property outside the usual chain of registered property transactions....

The post A Lesser-Known Risk in the Property You Buy appeared first on freefincal.

]]> 366061 National Pension Scheme Fund Screener Oct 2026: Shortlist consistent performers https://freefincal.com/national-pension-scheme-fund-screener-oct-2026-shortlist-consistent-performers/ Fri, 09 Oct 2026 00:30:14 +0000 https://freefincal.com/?p=366079 This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also identify NPS schemes that offer a higher return than the benchmark while maintaining lower risk. This is similar in design to the freefincal Equity Mutual Fund Performance Screener. Inside, you get discounted links to our robo advisory tool...

The post National Pension Scheme Fund Screener Oct 2026: Shortlist consistent performers appeared first on freefincal.

]]> 366079 Can I manage my retirement corpus without a pension plan or bond interest https://freefincal.com/can-i-manage-my-retirement-corpus-without-a-pension-plan-or-bond-interest/ Thu, 08 Oct 2026 00:30:42 +0000 https://freefincal.com/?p=271276 A reader says, ” I have used the freefincal robo advisor tool to create my financial plan. You have an option to include one or more annuities or pension plans. I was wondering, why do that? Would it not be more tax-efficient to have a simple bucket strategy without any pension product or bond interest?”...

The post Can I manage my retirement corpus without a pension plan or bond interest appeared first on freefincal.

]]> 271276 Can I retire with a corpus of Rs. 3 Crores? https://freefincal.com/can-i-retire-with-a-corpus-of-rs-3-crores/ Wed, 07 Oct 2026 00:30:27 +0000 https://freefincal.com/?p=271257 We received this message via our contact form: “Can I retire with a corpus of Rs. 3 Crores?” How could I reply yes or no when there is no other information? Rs. 3 crores could be anywhere between ample, to a grey area, to inadequate. It all depends on the lifestyle of the retiree and...

The post Can I retire with a corpus of Rs. 3 Crores? appeared first on freefincal.

]]> 271257 MF three-letter acronyms that are unnecessary https://freefincal.com/mf-three-letter-acronyms-that-are-unnecessary/ Tue, 06 Oct 2026 00:30:20 +0000 https://freefincal.com/?p=365847 I recently mentioned in a talk that many three-letter acronyms introduced by the MF industry are unnecessary. Allow me to expound. The three-letter acronyms (TLAs), aka initialisms, I mean, are SIP, STP, SWP and SIF. We can also include the associated products – PMS and AIFs. SIP: You need a system to start investing. You...

The post MF three-letter acronyms that are unnecessary appeared first on freefincal.

]]> 365847