rediffGURU Ulhas Joshi answers your mutual fund queries.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
MFs offer scale, simplicity, liquidity, and tax efficiency, and are an excellent vehicle for disciplined SIP investing. PMS is better suited for larger portfolios with equity allocation of Rs 3 crore to Rs 5 crore.
The average ticket size for a systematic investment plan (SIP) is edging up, even as the pace of new account openings remains strong. SIP ticket sizes had been shrinking in recent years, as mutual fund (MF) penetration grew. However, the average ticket size has started to climb again after a steep drop in the post-pandemic period, as the industry has doubled its investor base in the past four years.
Domestic markets saw the addition of nearly 3 million new dematerialised (demat) accounts in July, marking the highest monthly increase since December 2024. This is also the third consecutive month that witnessed a rise in account openings, following a period of moderation from January to April.
Yami Gautam is enjoying a scenic vacay in Leh and Ladakh with husband Aditya Dhar and parents Anjali and Mukesh Gautam.
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
Inflow in equity mutual funds dropped by 22 per cent to Rs 33,430 crore in August primarily due to a sharp fall in new fund offers (NFOs), data released by the Association of Mutual Funds in India (AMFI) showed on Wednesday. Also, the latest fund infusion by investors marks the 54th consecutive month of net inflows into the segment.
Loan against fixed deposit is cheaper and comes with fewer charges.
'Investors who remain calm, consistent, and disciplined through short-term volatility are usually the ones who benefit most in the long run.'
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?
At a time when banks are finding it challenging to mobilise resources, State Bank of India (SBI)-the country's largest lender-has devised a three-pronged strategy to boost deposit accretion. First is an aspirational product that promises to make depositors lakhpatis by helping them grow their deposits to Rs 1 lakh through recurring deposit (RD) schemes.
'There is a debit execution failure which is because there is not enough money in the user's bank account.'
When it comes to building wealth, Time really is King. The power of compounding is what makes the magic happen, says rediffguru Ramalingam Kalirajan.
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.
'Ideally, one should not time SIPs.' 'If people churn their SIP portfolios, then they are equating the concept of SIPs to lump sums.'
Haryana Chief Minister Nayab Singh Saini on Wednesday took a couple of sips of water from the Yamuna river to counter claims by the Aam Aadmi Party (AAP) that Haryana was polluting the river with industrial waste. He accused AAP leaders of spreading "poison" in politics and said their minds were filled with poison. The incident comes days before the Delhi assembly polls where the BJP and AAP are locked in a fierce battle.
Net inflows into equity mutual fund (MF) schemes scaled a record high in July as the market correction and a raft of new fund offerings (NFOs) lifted lump-sum collections. Active equity schemes raked in a net Rs 42,702 crore in July, going past the previous high of Rs 41,156 crore in December 2024. Systematic investment plan (SIP) inflows continued to scale new highs, rising over 4 per cent month-on-month (M-o-M) to Rs 28,464 crore.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
Long-term investors should never stop their SIPs during market corrections.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'Those satisfied with returns and not expecting further rally could be booking profits and also stopping SIPs.'
Urvashi takes a trip to Cannes... Aahana goes for a swim... Mamata goes to Dublin...
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
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.
Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1 lakh monthly income in your retirement years. This is the power of compounding -- a strategy that rewards you for starting early and staying consistent with your investments, says Ramalingam Kalirajan.
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
Chartered accountant Nitin Kaushik's message to India's young workforce is clear: spend smart, save smarter and let money serve your goals.
Jarange's hunger strike at the Azad Maidan in south Mumbai over the demand for Maratha quota entered the fifth day on Tuesday.
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.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
Inflows into equity mutual fund (MF) schemes declined in May, logging their lowest tally in 13 months at Rs 19,013 crore. It came even as the gross systematic investment plan (SIP) inflows surged to a record high of Rs 26,688 crore.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
After overtaking foreign portfolio investors (FPIs) in market ownership, domestic institutional investors (DIIs) have further solidified their dominance. DII ownership reached a new all-time high of 17.82 per cent as of June 2025, up from 17.62 per cent at the end of March 2025, according to an analysis by Prime Database.
'The way Helen ma'am grooves, she's so seductive.'
Redemptions from systematic investment plan (SIP) accounts scaled a new high of Rs 14,367 crore in July, indicating investors booked profits following back-to-back months of gains in the market. Volatility triggered by Budget announcements also played on investor sentiment. "July 2024 saw a peak in the Nifty, which may have prompted profit-booking among investors nearing the end of their goal tenure.
'I thought helmets would help. So, I took a motorcycle helmet with a polycarbonate visor to WSC.'
Switching to the UPS could be a game-changer for your retirement planning, especially if you value guaranteed benefits and higher government contributions, observes Ramalingam Kalirajan.
Investors will be able to authenticate if the entity receiving the payment is a valid entity under the ambit of Sebi.
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries
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