Overlap refers to the same stocks appearing across fund portfolios.
Flexicap fund performance depends heavily on the fund manager's decisions.
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Those who have binged on credit must spend less, cut discretionary expenses, and focus on repayment.
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
'Having a separate healthcare corpus is extremely important even for those already covered by health insurance.'
'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
Use these loans to meet emergency needs, and not to fund holidays or luxury purchases.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Customers must sign the agreement promptly to avoid disruptions. They should read it thoroughly and understand their rights and obligations.
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
Majority of equity fund managers were able to squeeze in some extra returns over their benchmarks in 2024-25 (FY25). While some managed to do so by delivering outsized returns during the equity market rally in the first half of the year (H1FY25), others succeeded by limiting the downside during the market downturn.
Younger investors with long investment horizons may continue their SIPs.
'If the markets correct further, PSU stocks could continue to decline.'
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
'Consider your household's financial health and all your other goals.' 'Buying a house might seem like an urgent goal, but it is rarely the only one.'
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
Investors should match their investment horizon with the fund's portfolio duration.
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Inflows into gold exchange-traded funds (ETFs), which manage a total of Rs 37,390 crore, have surged sharply in recent months. This trend is likely to continue, especially after the reintroduction of long-term capital gains tax (LTCG), which is likely to attract smart money into mutual fund offerings amid a robust outlook for the yellow metal. Smart money, also known as opportunistic flows, refers to strategic investments that are generally of a short-term horizon.
New investors should gradually build a 5 to 10 per cent allocation to gold.
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
Using credit or debit cards abroad can prove costly.
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
If the cashless request is denied, the entire cost may need to be paid for planned treatments.
Debt mutual fund (MF) schemes, which witnessed relatively muted inflows in the past three years, saw a surge in investor interest in April amid election-induced volatility in the equity markets. Active debt funds garnered nearly Rs 66,000 crore net inflows in April, most at least since December 2020.
'Understand how wedding expenses fit into your overall financial situation.' 'Evaluate how different levels of spending will impact other goals like retirement, travel, or housing.'
Do not keep a large portion of your long-term portfolio in FDs.
In the case of double-income couples, not more than 40 per cent of the net income of one partner should be the EMI for the property.
'If you are investing in a Ulip for returns, go for a type I Ulip.' 'If you are investing for insurance cover as well, type II is better.'
Maintain a proper record of documents that can act as proof of the cost of acquisition of the property, cost of improvements made to the property, expenses related to transfer of the property (like brokerage and registration charges). These will come in handy in case of a dispute with the taxman.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
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