'Active funds have the ability to manage downside risk.'
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.
The foreign degree no longer sells itself, families are doing the math, and for many, the numbers just don't add up.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
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.
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models.
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.
You can ask for written communication from your HR manager seeking an explanation about your resignation. Please mark the copies to your senior authorities as well as top executives especially if you feel you are being harassed, suggests rediffGURU Pradeep Pramanik.
Tata Sons, now debt-free, has asked the RBI to drop its 'upper-layer NBFC' tag and allow it to stay private.
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.
Over 70 scientists, environmentalists, and former bureaucrats are urging the Indian government to reconsider the Great Nicobar Island project, citing environmental and social concerns.
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.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'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.'
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
If he cannot do it this term by using his bureaucracy and experts from different fields, it will be a tragedy, asserts Ramesh Menon.
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.
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?
FOMO-driven investing is reshaping India's stock market. Swati Saxena explains how social media hype fuels risky bets and how to protect your wealth.
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.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
ELSS investments require a long-term commitment of at least seven years.
RMG firms Dream11, Games24x7, Gameskraft and MPL lost unicorn status after the gaming ban while fintech players led 11 new unicorns added in 2025.
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.
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.
'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.'
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.
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.
Dwaipayan Bose explains what momentum investing is, how it works, why it generates higher returns and has higher wealth creation potential.
Mutual funds are a powerful tool for building wealth, but do they work overnight? Successful investing requires discipline, patience, and a long-term vision, avers Ramalingam Kalirajan.
'Investment by insurers in the Bima Sugam India Federation is illegal as it is a private limited company.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
New India Assurance and Niva Bupa have invested in the Bima Sugam India Federation.
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.
Who else will take on the might of Microsoft, Google, and Amazon if not the Adanis, Ambanis, Birlas, or Tatas?, asks R Jagannathan.
Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
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