Bundled products often come with restrictions. The customer also gets locked into two products at the same time. This reduces flexibility.
The Reserve Bank of India's (RBI) new rules for credit and debit cards came into effect from October 1. These include tokenisation, one-time password (OTP) for activation after 30 days, written permission for enhancement of credit limit, and greater clarity on interest calculation.
'The potential headwind is that the Indian economy is likely to see a slowdown in growth rates over the next two years.'
Despite strong AUM growth, MFs lag behind other popular investment avenues. MFs received only 6 per cent of total household savings in 2021-2022.
Despite the current bout of volatility, debt-oriented hybrid funds remain well suited for risk-averse investors.
Such schemes need 3-5 yrs to take advantage of dollar and market risk.
Consumption is among the most diversified and sought-after themes in Indian equities. Over the past five years, consumption theme funds have given an annualised category average return of 15.17 per cent, according to the data from Value Research. But this theme has been affected by the Covid-19 pandemic, which impacted jobs and livelihood.
Stocks offering attractive dividends contain downside better when the markets correct, advises Sarbajeet K Sen.
One of the biggest advantages of index funds and ETFs is their low cost, points out Sarbajeet K Sen.
'A soft landing of the Indian economy would be a long-term positive for the equity markets.'
'We never go overboard on any stock, no matter how good it may seem.'
Whether it is your financial misstep or a financial disaster, there are ways to get back on track.
A look at five consistently performing equity mutual funds which look promising to perform well in the New Year.
A look at five equity mutual funds spread across different fund categories which an investor can rely upon as part of her/his equity mutual fund portfolio and are expected to give pretty decent returns over the long run.
Having exposure to international funds and gold is a must for those who have foreign currency-denominated goals.
If bank and service provider are not compliant, pay manually, or give standing instruction linked to bank a/c, suggests Bindisha Sarang.
'For the next two years, we expect the bulk of earnings growth contribution from sectors like financials and energy, where the outlook remains positive, while the sectors which are linked to domestic consumption and are currently witnessing strains on margins have low salience for Nifty earnings.'
'Large-caps are better placed to withstand the impact of higher input cost inflation, rising rates and withdrawal of excess global liquidity.'
A close look at six mutual funds which investors can consider for fulfilling their long term goals.
After eight months of consecutive outflows, equity mutual funds witnessed a net inflow of Rs 9,115 crore in March amid correction in the stock market. Barring multi-cap and value fund categories, all the equity schemes saw inflow last month, data from the Association of Mutual Funds in India (Amfi) showed on Thursday. However, investors pulled out Rs 52,528 crore from debt mutual funds last month, after investing Rs 1,735 crore in February, owing to advance tax payments and other year ending commitments. Overall, the mutual fund industry witnessed a net outflow of Rs 29,745 crore across all segments during the period under review, compared with a net inflow of Rs 4,090 crore in February.
These commodities must be purchased in units, where a single unit may be equal to a gram (gold), 100 grams (silver) or a kilogram for the other three commodities. For trading, you must open a separate demat account with a broker registered with NSE.
Value averaging investment plan (VIP) is a powerful investment concept which provides considerable safety from the market volatility, discipline and reasonable guarantee of returns.
As certified financial planner Gaurav Mashruwala says, "As a thumb rule, for the maximum growth, investments for goals which are more than 10-15 years away should be made in equities. Two-three years prior to the goal, the corpus should be shifted to debt instruments."
If you remember the childhood story of the tortoise and hare, then the systematic investment plan (SIP) is the equivalent of the tortoise in the race to create wealth. SIPs make sure that you continue moving slowly but surely to win the race in money matters.
These commandments when strictly followed can make you a successful investor; make you richer.
When an investor opts for a systematic investment plan (SIP) in mutual funds, the purpose is to average the cost of buying a bouquet of stocks, inculcate discipline and not having to worry about daily market fluctuations.
Systematic investment plans of top mutual funds that you can invest your money for better returns.
You have to apply for a recurring deposit account and ask the bank to deduct the stipulated amount from your savings or current account every month.
One can equate SIPs to the recurring deposit.
'We would advise investors to invest in a disciplined way in equities for the long term.'
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
'There is still scope for selective stockpicking.'
Financial planners say once the market starts moving up, investment decisions are based on greed and not fundamentals.
Literally new to the market, VIP is available only with Benchmark MF.
The 44-player industry logged assets under management of Rs 26.33 lakh crore in October-end, as compared to Rs 27.04 lakh crore by November end, representing a growth of 3 per cent. Among debt-oriented schemes, overnight funds received flows worth about Rs 20,650 crore, the highest among the fixed-income segment last month.
A series that will help you clarify financial jargon and empower you to make your own financial decisions.
Are value averaging investments plans better than systematic investment plans? Do they have any downsides? Here are the answers.
The fund house has proposed the government allow those investing up to a specified amount, to contribute on a monthly basis without submitting PAN, which is a must for all mutual fund investments. SBI MF is hoping to get around 250,000 investors to invest in 'Chota SIP.' The product aimed at the lower income group, the subscription level could rise to 1 million if the PAN requirement was done away with.
Here's why value averaging investments plans are better than systematic investment plans.
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