SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
'First-time investors, busy professionals, NRIs and those with modest sums looking for curated strategies may find FoFs especially appealing.'
'Reits are suitable for investors seeking regular income and real estate exposure without managing physical properties, especially NRIs and retirees.'
Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models.
Finance Minister Nirmala Sitharaman on Friday said the world is facing "profound imbalances" in trade and energy security, and is undergoing a structural transformation, with India standing out as a 'stabilising force' that can withstand external shocks.
The Congress's performance in the Lok Sabha elections showed that it may be down but not out, and Modi is determined to ensure that in the next round in 2029, it is consigned to irrelevance, points out Saisuresh Sivaswamy.
'Legally clean farmland is difficult to find. It requires time, money, and legal effort to verify the title.'
The ideal time to invest in sector funds, is during a downturn so that investors can capitalise on a turnaround in 1.5 to 2 years.
'The universe of PSU stocks is huge and diverse.' 'Investors should bet on specific sectors and stocks from the basket as most of them may continue to consolidate after years of outperformance.'
The ambitious proposal by the power ministry to allow network sharing between distribution licensees operating in the same geographical area will face three key challenges, said a former bureaucrat.
Tata Sons, now debt-free, has asked the RBI to drop its 'upper-layer NBFC' tag and allow it to stay private.
Over 70 scientists, environmentalists, and former bureaucrats are urging the Indian government to reconsider the Great Nicobar Island project, citing environmental and social concerns.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
The Enforcement Directorate (ED) is learnt to have offered the option of closing a FEMA violation case against e-commerce major Flipkart if the Walmart group firm admits its mistake and pays a penalty, sources aware of the development said.
If he cannot do it this term by using his bureaucracy and experts from different fields, it will be a tragedy, asserts Ramesh Menon.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
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'Active funds have the ability to manage downside risk.'
A retired banker in Delhi lost his entire life savings, amounting to Rs 23 crore, to cyber fraudsters who posed as ED and CBI officers. The victim was kept under 'digital arrest' for over a month and forced to transfer funds under duress.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'One should not invest more than 5 to 10 per cent of their overall portfolio exposure in global or international funds.'
Left to its machinations, the BJP would have loved to cut Nitish down to size, but it can't afford to do so as the JD-U is in alliance with the BJP at the Centre, and cannot form a government on its own in Bihar. For now, both need each other: Nitish for legitimacy, the BJP for numbers, points out Ramesh Menon.
The foreign degree no longer sells itself, families are doing the math, and for many, the numbers just don't add up.
Learning from East Asia, India must reform its district administration with performance, accountability, and vision to achieve the goal of Viksit Bharat, points out Deepak Mishra.
'Government officials use Gmail and ordinary phones without basic security consciousness.' 'Interoperability, especially in joint exercises with countries like the US, worries me.' 'It often means we open our systems to them, but they don't reciprocate.' 'They could have kill switches in their systems and might even be able to affect ours.'
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
RMG firms Dream11, Games24x7, Gameskraft and MPL lost unicorn status after the gaming ban while fintech players led 11 new unicorns added in 2025.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Reserve Bank Governor Sanjay Malhotra on Wednesday exhorted the fledgling fintech ecosystem to focus on the underserved sections of the society to deepen financial inclusion. Speaking at the annual Global Fintech Fest in Mumbai, Malhotra accepted that serving the "privileged" will be a lucrative business, but urged the smaller companies to focus on the underserved.
Why try to time the market when time in the market works better? History shows that patient investors who stay the course often walk away with the real rewards, says Ramalingam Kalirajan.
When we talk about Exchange-Traded Funds (ETFs), a few of their features that strike our mind are their low cost, easy-to-understand composition, and simple trading. While Index ETFs have always been popular among investors, Gold ETFs have garnered interest in recent years due to gold prices fluctuating near their all-time highs. But from a long-term investing context, do these ETFs really deliver?
Let reason, not emotion, guide your decisions.
The Supreme Court is considering relaxing the ban on firecrackers in Delhi-NCR ahead of Diwali, citing practical concerns and the need to balance environmental and livelihood interests.
Real wealth isn't built on random bets; it's built on disciplined, guided portfolio strategies that can withstand market ups and downs, says Ramalingam Kalirajan.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
A software engineer who was suddenly laid off after 15 years shares the lessons he learnt about how to cope in these uncertain, insecure times.
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
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