2. Open Source Calculators on Personal Finance, Mutual Funds and Stocks
M. Pattabiraman

3. Freefincal.com- Prudent DIY Investing
Founded May 2012
5.5 million views so far
About 7-8 lakh visitors a year
Non-profit & non-aligned

4. 100+ free, open-source calculators
Insurance
Financial Goal Planning
Mutual Fund Analysis
Stock Analysis
Portfolio Tracking
Post-retirement planning

5. Three Android Apps
Google Play Store:
freefincal

6. Why free? Why Open-source?
Open source enables a community of
intelligent investors to drive freefincal
Stock investing resources
Articles translated in Tamil

7. Youtube Channel: Freefincal

8. 25+ non-profit DIY Investing Workshops
Ashal Jauhari
Facebook Group: Asan Ideas for Wealth

9. Two Books Published

10. Online Calculators with 1st book

11. Five free e-books

12. SEBI Registered Investment Advisors
Say no to conflict of interest

13. Financial advisors who have complied with SEBI regulations
Say NO to conflict of interest
Seek professional advice from a fee-only financial advisor and insist on direct mutual fund plans
… or DIY

14. Financial Literacy by Financial Services

15. A Fool & His Money are Welcomed!

16. “If you want something done right, do it yourself”
- Charles-Guillaume Étienne

17. Contact me

18. Context Matters! Visual Goal-Based Investing Tools
Power of Compounding
Risk vs Reward
Pre- & Post-retirement planning
Portfolio Management
Other Tools

19. Visual Goal-Based Investing Tools

20. Cost doubles every 9 years
Real Return ~ 4%

21. Real Return ~ 2%
Cost doubles every 7 years

22. Real Return ~ 4%

23. What if I mix insurance and investment?

24. Real Return ~ - 2%

25. Permanent loss in capital

26. Investment Portfolio
Returns
Risk
Investment
Liquidity

27. Power of Compounding

28. Returns do not matter!
Corpus = investment x ( 1+ return)years

30. How money grows! - 1

31. How money grows! -2
Time makes your money work hard

33. The cost of delay!

34. Delaying Retirement Planning

35. It takes time!
50%
20 years

36. Example

37. Risk vs Reward

38. Risk is inseparable from Returns

39. Higher risk does not imply higher return!
Standard Deviation

40. Higher risk does not imply higher return!
Standard Deviation

41. Higher risk does not imply higher return!
Short-term
debt funds
Gilt funds
Equity mf
Return
Gold
Risk
Standard Deviation

42. Sensex Staircase

43. Equity: Sensex Annual Returns
Increasing order

44. Sensex Total Returns Index: 1979 to 2017

45. A lump sum investment in ICICI Top 100
Rs. 10,000 invested on 1st Jan 2003
would have grown to
Rs Lakhs on Dec 31st 2014.
Return = 22.91%

46. Annual Returns of ICICI Top 100

47. Understanding the 22.9%
CAGR
= 22.9%

48. Rolling Returns

49. Measuring Consistency in performance
Every possible 3Y period from April 3rd 2006 ~ points. Visual representation of risk

50. Gold Bonds: 8-year rolling returns
~7700 points

51. Beware of mutual fund mis-selling!

52. Beware of mis-selling about the SIP! Rolling SIP Returns Calculator

53. Beware of mis-selling about “long term”
Tracking SIP Returns month by month

54. Beware of mis-selling about the SIP!
What if there is a “crash” tomorrow?
Beware of mis-selling about the SIP!

55. All securities can “crash” All our regulators are learning too

56. How to review a mutual fund SIP?
SIP Returns Tracker

57. Portfolio Management 101

58. Portfolio Management 201

59. Asset Allocation & Rebalancing

60. Pre-Retirement Planning Calculators

61. Inflation in India: Some Real Numbers
Jan 1995 to May 2014

63. 2017 Age 30
Annual Salary: 5 Lakh Annual Expenses: 2.5 Lakh
Salary increases by 5% pa; Expenses increase by 6% pa

65. Retirement at age 60 Death by age 85!

66. Rs. 8000 a month in a portfolio earning 10% (on average)
Investment must increase at the rate of 10% each year!

67. Retirement Tracking: Auto-pilot mode
Automated Mutual Fund and Financial Goal tracker

68. Post-Retirement Planning Calculators

69. How much risk can I take post-retirement?
When should senior citizens purchase an annuity?

70. How much do I need? Age: 60 Average Monthly expenses: Rs. 30,000
Rs. 3,60,000 per year.
Inflation throughout the retiree lifetime: 8%
Inflation-protected income reqd for: 25 years That is up to 85 years.
Mediclaim: Available. Premium expenses included in the annual expenses.
Emergency fund: Available.  A sum equal to 1 year’s expenses. (not part of corpus)

71. Annuity Calculation Inputs
Payout required in the first year of retirement:
Rs. 3, 60,000
Inflation: 8%
Post-tax return: 8%
Duration: 25 years
Output
Corpus required: Rs. 90,00000 or Rs. 90 Lakhs

72. Inflation-protected income for 25Y

73. Why was the NPS introduced?

74. Retirement Bucket Strategy
100% Equity
50% Equity + 50% fixed income
Expenses
90L  70L
22% decrease
Safe Fixed Income

75. Inflation-protected Income Calculator

76. Retirement Bucket Strategy Simulator
Use Monte Carlo Simulations to generate random returns

77. Retirement Bucket Strategy Simulator
Annual expense in the first year of retirement: Rs. 3, 60,000
Inflation: 8%
Post-tax return: 8%
Duration: 25 years
Corpus: 67.5 L

79. Catch 22 Retirement Planning
Reward
Risk
Bucket Method or Annuity?
Source:

80. Other Tools

81. Insurance Calculators with an Action Plan
What if the breadwinner dies?
Short term needs
Long term needs
Financial Goals
Liabilities

82. Monthly Mutual Fund Screeners
Outperformance and downside protection consistencies

83. Stock Screeners

84. Stock Analysis