What if I told you that you only need to invest for 5 years to accumulate Rs 1 crore? Sounds unbelievable, but it's possible, asserts Ramalingam Kalirajan
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
Just where are the stars welcoming the New Year?
New investors or those with lower-than-planned exposure should add US-oriented funds through SIPs.
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.
The most common mistake is investing without assessing suitability and long-term implications.
Rediff explains why the system, not the Budget, is the problem.
December is all about embracing the chill, sipping on hot chocolate, and escaping to beautiful getaways before ringing in the New Year in style. And that's exactly what our stars are doing.
rediffGURU Ulhas Joshi answers your mutual fund queries.
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
'Ideally, one should not time SIPs.' 'If people churn their SIP portfolios, then they are equating the concept of SIPs to lump sums.'
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Coconut water is a lovely light, refreshing drink with a delicate hint of nuttiness, while remaining naturally low in both sugars and calories and full of nutrients.
Stay somewhere that's as memorable as your destination, and India's got plenty of surprises!
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
Long-term investors should never stop their SIPs during market corrections.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Popular Indian singer-songwriter Zubeen Garg drowned off Lazarus Island in Singapore after declining a life jacket while severely intoxicated, a coroner's court heard.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
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.
'Those satisfied with returns and not expecting further rally could be booking profits and also stopping SIPs.'
From Rs 73k to over Rs 1.2L between January-December 2025 -- is buying gold in 2026 still sensible?
Delhi recorded its coldest January morning in three years with the minimum temperature dropping to 3 degrees Celsius. Cold wave conditions are expected to persist, and air quality has deteriorated to the 'very poor' category.
Nikunj Saraf, Vice President Choice Wealth, answers your queries.
'New investors should enter gradually and stay cautious.' 'Silver is a structural multi-year story, but timing matters in a high-volatility metal.'
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.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
Foreign investors fled Indian equities in 2025 at a scale never seen before, pulling out a record Rs 1.6 lakh crore (USD 18 billion) as volatile currency movements, global trade tensions, especially potential US tariffs, and stretched valuations eroded risk appetite, though flows are expected to turn sustainably positive in 2026.
When it comes to building wealth, Time really is King. The power of compounding is what makes the magic happen, says rediffguru Ramalingam Kalirajan.
Retail investors are moving away from a buy-and-hold approach and towards more informed short-term positioning, recent investment patterns show.
Net inflows into equity mutual funds (MFs) moderated for the second straight month in September, declining 9 per cent during the month to Rs 30,422 crore. The slowdown came as redemptions from active equity schemes rose 30 per cent month-on-month (M-o-M) to a one-year high of around Rs 36,000 crore.
Every investor loves a bull market - that feeling of watching portfolios rise and headlines being filled with record highs is gratifying. Yet, wealth creation in the stock market is not just a matter of market rallies. Some of the most successful investors make their fortunes in periods of slow or even negative market momentum. The secret is mindset, strategy, and disciplined investing, not chasing short-term rallies.
Multi-asset allocation funds (MAAFs) have emerged as strong performers among mutual funds (MFs), rivalling medium-term returns from traditional equity categories while maintaining a lower risk profile. Over the past three years, average returns for this segment have surpassed those of flexicap and largecap funds, for both lump sum and systematic investment plan (SIP) investments.
Foreign portfolio investors' (FPI) ownership in NSE-listed companies has declined to 16.9 per cent at the end of September, lowest in 15 years, the largest stock bourse said on Thursday. The domestic mutual funds' ownership climbed to 10.9 per cent in the ninth straight quarter of increase, data shared by NSE said, adding that this is on the back of strong flows into systematic investment plans (SIP).
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
The iconic Pushkar Camel Fair 2025 is set to take place from October 30 in Rajasthan. Camel herders from across the region have begun arriving in Pushkar and Ajmer with their magnificent camels, while cultural performances with foreign tourists add vibrant energy to the preparations.
'When you finally hold that red bag with your personalised Onitsukas inside, it feels like ticking off a very satisfying item on your travel checklist,' discovers Mayur Sanap after visiting Onitsuka Tiger's famous Red Concept store in Tokyo.
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.
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.
