In this edition of the reader story, we meet Arun, who has most generously volunteered to share his investment journey with the DIY community. I say this

This step-by-step guide discusses entering capital gains from mutual funds or shares in ITR2 or ITR3 for AY 2023-2024 (FY 2022-2023). Salaried taxpayers

Filing an Income Tax Return (ITR) is a mandatory obligation for taxpayers in India. The online method of filing ITR has made the process more convenient

SEBI has included nine freefincal calculators created by M. Pattabiraman in its investor education website. Ms Monika Halan, the SEBI Investor Protection

We recently published a Step-by-step guide to entering MF and share capital gains in ITR2 (or ITR3). Many readers wanted to know how to set off &

Dr. Pattabiraman, the mind behind freefincal.com, shares his secrets to financial independence in this video. Learn how this IITM professor planned his retir...

In this edition of the reader story, we meet Arun, who has most generously volunteered to share his investment journey with the DIY community. I say this

For God's sake or at least for the sake your family and hard-earned money stay away from bank relationship managers (RM). They mis-sell expensive and

If you are salaried and have capital gains to report, you must file ITR2. If you are a business person or a professional with capital gains, you must file

XIRR or extended internal rate of return is a measure of return used when multiple investments (at different points in time) are made in a financial

Let’s get rich with Pattu, produced by Ofspin is a weekly podcast on money management. We have completed 13 episodes so far. You can now listen to the

This is an update on my mutual fund investing journey, which began on 19th June 2008. In the last three decades, I have gone from being a spend-thrift to

Use this comparison table to enter your salary details and find out if the new or old tax regime announced in budget 2020 will be beneficial for you?

Here are some practical aspects of real estate investing that retail investors should be aware of. The article considers real estate as an investment and

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

Everyone desires to save tax, and Indian investors are particularly motivated by tax savings. Salaried individuals can reduce their tax liability by

Everyone desires to save tax, and Indian investors are particularly motivated by tax savings. Salaried individuals can reduce their tax liability by

In this article, SEBI-registered flat fee-only investment advisor, Swapnil Kendhe, addresses common misconceptions about index investing that passive

Fee-only India (FOI) is a group of SEBI Registered Investment Advisors (RIA) and Financial Planners who only charge a flat fee (independent of the

We are happy to announce a new Google sheet-based mutual fund and stock investment tracker. The features of the sheet are presented below. Key features of

A reader who wishes to be anonymous wanted to know the corpus need to retire in India by age 45. Before we get down to the calculation, "retire by 45"

Here are two examples of using mutual fund capital gains statements for LTCG and STCG entries in ITR. Please use this along with a step-by-step guide to

The cost inflation index for the financial year 2023-2024 was recently announced. The index increased from 331 in the previous financial year to 348 - an

Tax expert Manmohan Sethumadhavan has prepared a downloadable comprehensive capital gains taxation rules ready reckoner for freefincal readers based on

We recently discussed entering STCG and LTCG from equity shares and mutual funds in ITR2  or ITR3. We now follow this up with a guide to enter capital

In this edition of the reader story, a reader who prefers anonymity explains why, despite making most mistakes in the book, his mutual fund portfolio is

Each time the market hits an all-time high, several investors get jittery and start wondering if they should stop their SIP investments or delay their

Many of us think of how to build wealth across generations when we think of a rich family business. The truth is, the writer and everyone reading this are

In this article, Atul explains why index investing killed his passion for investing. Atul has an MBA in finance and has worked in different financial and

In this article, Sunil explains how he contested a health insurance claim rejection with the Insurance Ombudsman (Bima Lokpal portal) and won. Sunil

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

Here are eight investment truths hours and hours of number crunching and data analysis have taught me. I have always believed that mathematics is the

We often get emails from readers wanting to know if they are on the right financial path. Here is a simple check to find out. The answer to all questions

A 35-year-old reader asks: "I would like to get Rs. one lakh a month pension when I retire. How should I invest to achieve this?" A pension after

SEBI registered fee-only advisor Abhishek Kumar explains why we must check our KYC status and when it must be re-validated. About the author: Abhishek is

If you have invested in mutual funds, the annualized returns that you see in portfolio trackers are from an XIRR calculation. It is important to

Fee-only India (FOI) is a group of SEBI Registered Investment Advisors (RIA) and Financial Planners who only charge a flat fee (independent of the

I maintain a document named “Where is our money?”. This document captures everything I want my family to know about money if I were to be in a position

Parag Parikh Arbitrage Fund aims to  "generate capital appreciation and income by predominantly investing in arbitrage opportunities in the cash and

A reader shares her journey to financial freedom. How it changed her life and how the formula for financial independence is simpler than we think!

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

Let's Get RICH With PATTU! · Episode

These are the freefincal handpicked list of mutual funds for Jan-Mar 2023. New and old investors can use it according to their specific needs. The list is

It is the dream and responsibility of every parent to guarantee that our children have the freedom and ability to pursue their desired path in life.

Often, we do not need a calculator to tell us that we are not earning enough. Just the calendar is good enough for us. I often ask the audience in my

In this edition of the reader story,  we meet 27-year-old Pretorius. He shares his mistakes, his redefined goals and how he tries to focus on the big

In Jan 2023, Pretorius shared his investment journey for our reader story section: How I learnt to keep it simple and build a net worth 19 times my annual

I have written many articles on term insurance, health insurance, and retirement planning. A few of my readers have previously asked me - Can you create a

You CAN grow your wealth! Undoing years of neglect on money and wealth in the Indian education system, Pattu helps you think about money whether you're in yo...

“Which is the best way to  accumulate gold for a marriage?” is a question often asked by parents, brothers and even the bride or groom to be.  This is a

In this edition of the reader story, we have a most interesting account of Shankar (not his real name), who was burdened with debt for several years. He

Two couples share contrasting reasons why they decided against property purchase and opted for lifetime renting. Before we begin, we would like to point

Many state and central government employees are against the national pension scheme (NPS) and want to restore the old pension scheme. Some state

If I say that I never frowned at the prices of air tickets, I’d be lying. Most of us are always on the lookout for cheap flight tickets. This holds

A question that often worries young earners is, "What percentage of my salary should I invest each month? Is 10% okay? Or should it be 20%?" Often this is

In this edition of the reader story, we have a sequel to My Journey to a Ten Crore Portfolio. Arun digs deep and shows us how long it took for his