India's housing finance sector is riding a wave of post-pandemic revival, driven by policy support, digital innovation, and growing demand from younger homebuyers in emerging cities.
The recent global fund flow data suggests that one big cycle of foreign fund allocation into India may have come to an end and the trend could remain soft for a longer time, according to a report by Elara Capital. The note said last week's outflow of $302 million from India's dedicated funds is the largest since June 2022.
'For most investors, I recommend a low double-digit allocation (10 to 12 per cent) to gold and silver combined.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'The outlook for the next Samvat is more constructive, as many of the earlier drags are gradually becoming supports.'
The best course for the government at this time would be to tighten the seat belt a little more, without compromising on its investments in creating better infrastructure and giving a push to privatisation, points out A K Bhattacharya.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
If they act now, they can reshape the strategic map of Asia without firing a shot. If they wait, the next opportunity will come only after a serious Taiwan Strait incident -- by which time the price will be far higher, and the room for boldness far smaller -- the opportunity may well be lost by then. The question is no longer whether this can or should be done, points out Varun Arya.
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.
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
'Investing in these funds makes sense if their net yield over better-quality funds -- corporate bond funds or banking and PSU funds -- is meaningful.'
'Long-short SIFs are designed for seasoned, high-risk, high-reward investors, who understand market volatility.'
If you already hold significant amounts of equity in your portfolio, avoid MAAFs with over 60 per cent equity. But if you lack equity exposure, an aggressive MAAF may be appropriate.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
Of the Rs 474.4 crore insurance cover, the largest component -- Rs 375 crore -- has been allocated towards personal accident cover for volunteers.
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
'Indian markets may underperform global peers for the next two quarters.' 'But beyond that, India should catch up and resume its long-term growth path.'
If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.
'Active funds have the ability to manage downside risk.'
Commodity investments can help you diversify your portfolio in asset classes other than equity and debt, says Dwaipayan Bose.
Young investors with a higher risk appetite are better off with a combination of term insurance and equity funds.
Data from Amfi shows that NAV of every one in two BAFs declined 1.5% or less on Monday compared to a 3.13% decline in Nifty 500.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
SOFs can be a diversification tool for investors seeking alternatives to conventional large, mid, or smallcap portfolios.
CPGRAMS -- an online platform available to citizens 24x7 to lodge their grievances to public authorities on service delivery -- has existed for close to two decades. But it has never been this active, points out Tamal Bandyopadhyay.
Co-investment under the portfolio management services (PMS) route accounted for less than 50 crore in assets and involved fewer than a dozen clients for much of 2022. Since then, assets under management have risen to 3,812 crore across 535 clients as of April 2025, according to the latest regulatory data. The recent changes may open the door to greater investment from sovereign wealth and pension funds, experts say.
Alternative investment funds (AIFs) have crossed Rs 5 trillion in terms of funds raised, while the investment commitments have surpassed Rs 12 trillion for the first time as of September, according to data released by the Securities and Exchange Board of India (Sebi).
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries
Despite recent underperformance, MNC funds have delivered over longer time frames.
Adani Group's portfolio companies posted their highest-ever pre-tax profit (EBITDA) of about Rs 90,000 crore in the fiscal year ended March 31 and had a cash balance to cover 21 months of debt servicing, the ports-to-energy conglomerate said on Thursday. The Earnings Before Interest, Taxes, Depreciation, and Amortisation (EBITDA) has more than tripled in six years - from Rs 24,870 crore in 2018-19 to Rs 89,806 crore in 2024-25 (April 2024 to March 2025).
Dr Ganesh Natarajan, a special guest on rediffGURUS, has been addressing questions from Rediff readers, about how to grow professionally, how women can achieve leadership roles in Indian companies, and what it takes to succeed as an entrepreneur.
Largecap, flexicap, and balanced advantage funds together recorded a net inflow of Rs 9,363 crore in August, representing a 70% increase from the previous month's total.
Gripped with fear as an investor following a 12 per cent market fall? Here's Radhika Gupta's advice to investors.
In a major initiative, Pakistan has announced the establishment of its first government-backed Strategic Bitcoin reserve as it invited investment in the country's crypto markets.
When the market is down, you can buy more units, which offers you the rupee cost averaging. But the question here is, with so many options available in the market, which one should you choose? Keep reading to get the answer.
Conservative investors seeking equity-like tax benefits with low risk may go for them.
