Hybrid mutual fund (MF) offers, expected to drive higher investor interest after the change in debt fund taxation, are set to end 2023 with the slowest account growth in the past three years. Investment accounts in hybrid funds are up 5.7 per cent so far in 2023 compared with 7.6 per cent in 2022 and 20 per cent in 2021, shows the data from the Association of Mutual Funds in India (Amfi). In 2020, the count had dipped 2.4 per cent.
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
Foreign institutional investors (FIIs) are back in droves.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'... that it once again shies away from renewing its commitment to strategic divestment,' points out A K Bhattacharya.
'Investors should do proper analysis before putting in their money in NFOs as most new launches are in the high-risk thematic space.'
'Investors should focus on largecap funds, flexicap funds, business cycle funds, or hybrid-category funds.'
rediffGURU Ulhas Joshi answers readers' mutual fund queries
One common mistake investors commit during profit booking is not having a plan for the redeployment of the money that comes into their account.
Investing in equity markets to earn a good return over long term is not a cakewalk. One has to understanding her/his risk profile and importance of asset allocation to achieve financial aims
New investors should gradually build a 5 to 10 per cent allocation to gold.
'Starting an SIP now and continuing with it is likely to translate into high returns over the long term.'
'Cancer incidence is projected to increase by 12.8 per cent by 2025 compared with 2020, necessitating more dedicated cancer treatment centres and specialised beds.'
'In 2022, active management, long-short strategies, multi-asset strategies, and asset allocation strategies need to be considered to meet long-term investment goals.'
Anamika Pareek answers five most frequently asked questions about investing in silver ETFs
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Mutual funds focused on small-caps have emerged as the winner with a net inflow of close to Rs 11,000 crore in April-June quarter, as fund managers struggle to create alpha in the large-cap space, and the trend is expected to continue for some time. On the other hand, large-cap space, which is yet to pick up momentum, witnessed an outflow of Rs 3,360 crore during the quarter under review, data from the Association of Mutual Funds in India (Amfi) showed. Apart from the June quarter, small-cap funds logged an inflow of Rs 6,932 crore in three months that ended in March.
Gold buying by central banks surged to 60 tonnes in October, mainly led by the Reserve Bank of India (RBI) which added 27 tonnes of the precious metal to its reserves, the World Gold Council (WGC) said on Thursday. India added 27 tonnes of gold in October, bringing its total gold purchases to 77 tonnes from January to October, according WGC data based on reported monthly data from the International Monetary Fund (IMF).
'If the markets correct further, PSU stocks could continue to decline.'
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
'The intensity and frequency of heatwaves will be much higher than in previous years over Punjab, Haryana, Rajasthan, Gujarat, Madhya Pradesh and Odisha.'
'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.
Managing wealth is primarily about asset allocation. The basis for choice of assets and the proportion that should be held in each investor's portfolio depends on his/her objectives and constraints. It is the core proposition of financial planning.
Younger people, who usually have a longer investment horizon which allows them to handle the interim volatility, may go for them.
Alternative investment funds (AIFs) - investment vehicles favoured by the affluent - have topped $50 billion (Rs 4.3 trillion) in total investments for the first time during the April-June quarter, according to the latest data from the Securities and Exchange Board of India. The industry's commitments have approached Rs 12 trillion ($140 billion), marking a 40 per cent increase over the past year. The amount raised and deployed stood at Rs 4.74 trillion ($56 billion) and Rs 4.32 trillion ($51 billion), respectively, the data shows.
In a recent townhall meeting, creditors of WazirX pressed founder Nischal Shetty and the restructuring legal team for solutions, seeking representation on the committee of creditors (CoC) and expeditious restructuring within four months, and asked for clarity on redistribution of potential gains from future crypto market upswings.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
Here's how to own your dream home without paying excessive interest on your EMIs.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Now that bank FD rates have gone up and most BAFs haven't delivered good returns, these investors are likely to be moving back to FDs, observed a senior MF distributor. The performance of BAFs in the past year has been mixed.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
rediffGURU and financial planning expert Colonel Sanjeev Govila will answer your personal finance-related questions.
'Investors need to expect steady returns over the next one to two years with bouts of high volatility.'
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
Caution demands a sensible strategy even in bullish times.
Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.
Leaders who built and manage these incredible global companies cannot be tyrants, slave-drivers, or idiots. Essentially what they are saying falls under the definition of rallying the troops, inspirational talk, like the usual coach-speak with the team before a match, asserts Shekhar Gupta.
'The correction in the markets in the initial part of August provided investors a good buying opportunity.'
