'New investors should enter gradually and stay cautious.' 'Silver is a structural multi-year story, but timing matters in a high-volatility metal.'
Every investor loves a bull market - that feeling of watching portfolios rise and headlines being filled with record highs is gratifying. Yet, wealth creation in the stock market is not just a matter of market rallies. Some of the most successful investors make their fortunes in periods of slow or even negative market momentum. The secret is mindset, strategy, and disciplined investing, not chasing short-term rallies.
The competitive intensity in the mutual fund (MF) industry is moving beyond scheme performance, cost structures, and distribution. In recent months, several fund houses have rationalised exit loads applicable on redemptions.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
If you redeem your investments when prices have fallen sharply, you will be selling at low prices and may make a permanent loss. On the other hand, if you remain patient and remain invested, you give your investment the time to recover, says Dwaipayan Bose
rediffGURU Ulhas Joshi answers your mutual fund queries.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
New investors should gradually build a 5 to 10 per cent allocation to gold.
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
These schemes are a good choice for investors contemplating a large investment in equity funds. Instead of investing all the money in one go, they can do so in a staggered manner by parking it in these schemes and then transferring it to equity mutual funds through a systematic transfer plan.
Do not, however, enter expecting quick returns.
An allocation to ESG theme funds can bring down the overall risk of an equity portfolio. Investors with long-term financial goals, such as retirement, should not ignore sustainable investing.
'Liquid ETFs help in cash management by enabling a smooth transition between equity and cash within the same settlement cycle, as they trade in the same segment as equity.'
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Regardless of market levels, invest in stocks and equity mutual funds in a staggered manner.
'Use this money to build an emergency fund if you do not have one.'
rediffGURU Hemant Bokil answers your personal finance queries
Begin by creating a household budget. Involve all family members in the exercise and cut costs wherever possible.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Returns in Systematic Transfer Plan are consistent as money invested in debt mutual fund schemes earns interest till the time the whole amount is fully transferred to equity fund, says Vishwajeet Parashar, Sr VP and Group Head -- Marketing, Bajaj Capital
Current stock market volatility is making investors wary. There is no clear direction as to how markets will pan out over the next couple of months. In such times, a staggered approach to investing can be a good option.
Lump sum investments in equity and hybrid schemes of mutual funds (MFs) declined to Rs 17,900 crore in October - the lowest since January 2021. The fall in lump sum investments comes even as flows through systematic investment plans (SIPs) rose to a new all-time high of Rs 13,000 crore in October. The latest lump sum tally is just a third of the peak inflow of Rs 49,700 crore in July 2021.
Mutual fund (MF) houses have started realigning their overseas product offerings after the Securities and Exchange Board of India (Sebi) advised them to stop subscriptions. PPFAS Asset Management has decided to suspend transactions in Parag Parikh Flexi Cap Fund with effect from February 2, 2022. Though new lump-sum and systematic investment plans (SIPs) will not be accepted, existing SIPs and systematic transfer plans (STPs) will continue.
Many retail investors, who are experiencing their first bear market, are shocked at the erosion in the value of their mutual fund (MF) portfolios. The pain is especially acute for those who had taken excessive exposure to sector/thematic and small-cap funds. Even international diversification has failed to stanch the bleed in this downturn.
STPs help you to move money from one scheme to another within the same fund
'We would advise investors to invest in a disciplined way in equities for the long term.'
Staggered pull-out will help investors if the market continues to rise.
With this, total inflows have reached Rs 3.98 lakh crore in the first 11 months of the current fiscal (2016-17). In comparison, Rs 2.07 lakh crore was invested in various mutual fund products during April-February period of 2015-16.
Investors have pumped in nearly Rs 54,000 crore into various mutual fund schemes in January, with liquid, income and equity funds attracting the most of the inflows.
After the rationalisation and categorisation of mutual fund schemes undertaken by the Sebi in October 2017, overnight funds have emerged as a distinct category.
Apart from SIPS and STPS, value- averaging can help investors make more money, says Devangshu Datta.
The Pay Commission's award will provide a windfall that can be used to both spend and invest wisely.
Why should I invest in mutual funds? Why cannot I invest in equities directly? Here are 7 simple reasons
People who are close to retirement and don't intend to go back to full-time work again should deploy a part of their VRS money in equities so that it keeps growing at a faster rate.
Leading up to the International Women's Day on March 8, this is the first of a four-part series that talks about how women can invest to achieve their long-term financial goals.
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