'They are ideal for short-term financial goals like children's education or a down payment for a house.' 'They are also useful for transitional savings, such as during job switches or while starting a business.'
'Indian markets may underperform global peers for the next two quarters.' 'But beyond that, India should catch up and resume its long-term growth path.'
Here's what Indian investors diversifying into equities, ETFs, and real estate abroad to manage risk, returns, and currency exposure must watch out for.
Cross-check key documents, maximise your deductions, avoid errors, and ensure you get your refund smoothly.
India's corporate bond market, driven by public sector undertaking (PSU) banks and financial institutions last year, is losing momentum since the second quarter of FY26.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
'...not merely in managing fiscal mathematics, but in demonstrating conservatism and prudence within that framework.' 'Looking forward, we believe sufficient growth drivers exist -- ranging from government reforms to revival in consumption to favourable monsoons. Numerous factors support the Indian economy.'
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
'For most investors, I recommend a low double-digit allocation (10 to 12 per cent) to gold and silver combined.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Defence, capital goods, engineering, capital market-related stocks, autos, and cement sectors are my bullish bets for Samvat 2082.'
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Investors will be able to authenticate if the entity receiving the payment is a valid entity under the ambit of Sebi.
'...aggressive pricing amid volatility, but these are exceptions.'
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
With the RBI infusing Rs 7.5 lakh crore in liquidity -- and possibly more in the future -- the short- to medium-term corporate bond market is expected to benefit.
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Banking as we know it will stand on its head in the next 10 years.
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
A retirement fund can be helpful for all age groups, but ideally one should start investing early to beat market swings and gain from compounding.
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
P V Subramanyam clears some misconceptions about debt funds.
As the rally in precious metals takes centre stage in 2025, most analysts recommend a larger allocation to gold over silver despite the latter's outperformance this year. In the current calendar year (CY25), spot gold prices in dollar terms rallied
The fear of losing purchasing power due to inflation and low-interest rates has led many to explore safe alternatives to fixed deposits with high returns
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Tax evaders, BEWARE! The Income Tax department is using AI data analytics to bust fake deductions, flag HRA fraud, and trace digital footprints.
One should avoid keeping excessive funds in one's savings account.
'The outlook for the next Samvat is more constructive, as many of the earlier drags are gradually becoming supports.'
The Securities and Exchange Board of India (Sebi) is set to introduce key reforms aimed at facilitating smoother mega initial public offerings (IPOs). Key among the proposals is a reduction in the quota reserved for individual investors - those applying for less than Rs 2,00,000 per application - from the current 35 per cent to 25 per cent for large IPOs (issue size above Rs 5,000 crore).
MMFs invest in fixed-income instruments maturing in less than one year, minimising interest-rate risk.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
While the minimum holding period for LTCG taxation has now been lowered, the tax outgo could be a bit higher under the new structure.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
Dwaipayan Bose on how index funds play a key role in the diversification of portfolios and help manage risks
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