'With tuition fees for international students rising, education loans have become critical for bridging the gap between savings, scholarship, and full cost.'
The mutual fund industry continued with the positive momentum in the September quarter, attracting Rs 34,765 crore, although it was a massive reduction as against the Rs 1.85 lakh crore inflow in the preceding quarter, primarily due to withdrawal from debt segment. Most of the asset classes saw net inflows during the July-September period of the current financial year barring the fixed-income or debt segment, which witnessed net outflows. Overall, flows started on a strong note during the quarter under review, with net inflows of Rs 82,467 crore in July, which dipped to Rs 16,180 crore in August and ended with a disappointing Rs 63,882 crore of net outflows in September, according to a report by Morningstar India.
Reserve Bank Governor Shaktikanta Das on Monday said despite the latest headwinds arising from the Jackson Hole summit leading to extreme volatility, our banking system and financial markets are strong enough to withstand such pressures. Taking the markets by surprise, US Fed chair Jerome Powell had told the annual Jackson Hole summit of central bankers and economists last week that he would have to keep raising federal fund rates to tame inflation, which remains the biggest challenge to the world's largest economy. He also warned of the pains that such monetary policy actions would create on growth and jobs.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
Sebi's new FPI regulation has helped attract new capital pool, up registrations.
Those who cannot bear significant downturns (as much as 40 per cent) or have a short horizon should exit entirely.
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
'Thankfully, most investors in India have now seen through this false narrative and are once again deploying their hard-earned money.
'As the growth momentum reverses benefiting from re-monetisation, it will be accompanied by a rise in inflation.'
Index products like fixed-income, volatility and weather to broaden basket for hedging.
Instead of only focusing on the tenure for which the best interest rate is available, investors should also focus on their own investment horizon.
Investors should view the increase in the LTCG tax rate in conjunction with the increase in capital gains exemption from Rs 1 lakh to Rs 1.25 lakh, which will provide some relief.
In dollar terms, the Indian markets managed to climb back to 2008 levels only in January this year. The subsequent fall in the rupee because of emerging market woes has once again pushed the markets below their 2008 level in dollar terms.
'They can transition from short to long-duration funds when the yield curve normalises.'
In two years, the start-up Overqualified Housewives has helped over 6,000 women across India find flexible-job roles across India from salaries ranging between Rs 8,000 to Rs 80,000, making them financially independent.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
The mutual fund (MF) industry had an action-packed 2023 as it tackled the scrapping of tax benefits for debt fund investors and surging flows into equity funds.
Even if the bull run may continue, most experts say some profit booking is called for, points out Sanjay Kumar Singh.
Long-term investors should never stop their SIPs during market corrections.
'As the Indian economy continues to expand over the next three years, mid- and small-caps should do well as they have higher exposure to the domestic economy than large-caps.'
Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023 as bonds rally in anticipation of rate cuts.
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
'For someone who wants to invest for the future or his family, diversification is necessary.' 'Diversify across asset classes -- equities, gold, real estate, fixed income, commodities, and even cryptocurrency.'
If the gift is received from a relative, there is no tax implication. But if the gift is received from a non-relative and exceeds Rs 50,000 in value during a financial year, the entire value of the gift is taxable.
The year 2015 may well turn out to be a watershed in global macroeconomic adjustment.
Looking under the hood, I see India on the terrible, but commonplace, road to prosperity failure, warns Rathin Roy.
You must remain invested in bank deposits, unless you are considering the idea of earning higher returns by moving to gilt or liquid funds, says Adhil Shetty, CEO, BankBazaar.com.
The only real solution to the jobs crisis, whether in India or abroad, is to direct tech innovation towards job enhancing sectors, and disincentivising job-replacing ones, observes R Jagannathan.
In the entire 2017, FPIs put in a collective amount of Rs 2 trillion in equity and debt markets
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'Recent underperformance notwithstanding, equities should constitute a major part of investors' financial portfolio.'
Despite the Sensex's 74 per cent run-up over the past year, the Indian equity market could still reward investors if the expected revival in earnings materialises, according to market experts. Returns during the coming year are more likely to be in line with longer-term trends (the Sensex's five-year return is around 14 per cent). Several factors are expected to aid the market's performance this year.
The Indian equity market is likely to remain under pressure and rangebound over the next few months. This comes as global central banks, led by the US Federal Reserve look at a possibility of hiking rates aggressively to tame inflation. Back home, the Reserve Bank of India, too, remains data dependent in its endeavour to keep inflation in check and pursue an aggressive monetary policy stance.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
In May 2014, FIIs were net buyers by Rs 20,225 crore (Rs 202.25 billion).
Since MAAFs invest across multiple asset classes, they offer diversification.
The BJP-led National Democratic Alliance's (NDA) slim majority in Lok Sabha may delay more far-reaching economic and fiscal reforms that could impede progress on fiscal consolidation, Moody's Ratings said on Wednesday. NDA securing a majority in the general elections will give a historic third term for Narendra Modi as Prime Minister of India. "We expect policy continuity, especially with regards to budgetary emphasis on infrastructure spending and boosting domestic manufacturing, to support robust economic growth.
Dwaipayan Bose simplifies the whys and hows of revisiting your financial goals
'Starting an SIP now and continuing with it is likely to translate into high returns over the long term.'
'2022 has not been -- and will not be -- the kind of 2021 bull market, which lifted all boats.'
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