Mutual fund expert T srikanth Bhagavat told Get Ahead readers about what to do with their SIP investments in mutual funds, now that the stock markets are once again at their peak.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
Systematic investment plans of top mutual funds that you can invest your money for better returns.
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Systematic investment plans not only generate good returns by tiding over short-term volatility, they can also be a good tax-saving instrument.
Regular disciplined savings - the biggest plus of a systematic investment plan.
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'The political situation in the country will depend on the electoral outcome in Maharashtra.'
'If individual stocks start falling 25% to 30% or more, then I doubt how many of them will be able to withstand that (kind of selloff). That is when you'll see panic coming in.'
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'If their allocation to certain segments have become high due to strong returns over the past three-four years, they should rebalance their portfolios and bring them in line with their long-term asset allocation.'
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
rediffGURU Ulhas Joshi answers your mutual fund queries.
rediffGURU Kirtan A Shah answers your personal finance queries.
Smallcap mutual funds recorded net outflows for the first time in 30 months in March as investors pulled out money after the markets regulator, the Securities and Exchange Board of India (Sebi), warned against "froth" in the mid and smallcap space. Active equity mutual fund (MF) schemes raked in Rs 22,600 crore in March. The March inflow is 16 per cent lower than the two-year high inflow of Rs 26,860 crore in February, shows data from the Association of MFs in India (Amfi).
'In the short term you keep your return expectations very, very low; in the medium term be prepared to invest and in the long term growth will come and your returns from stocks will be high.'
Averaging works only in a portfolio which is what SIP helps you do. Averaging does not work in case of a single scrip. Here's why
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Ajit Mishra, vice president, research, Religare Broking, answers your queries.
rediffGURU Ulhas Joshi answers readers' mutual fund queries
Out of 3,871 recovery certificates issued by the regulator in various cases, 807 have been certified as difficult to recover.
If international crude oil prices zoom past the current level of about $90 per barrel and move towards $100 and beyond, middle-class consumers are not going to keep quiet about their discomfort, points out Arun Balakrishnan, former chairman and managing director, Hindustan Petroleum.
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The mutual fund industry's assets under management (AUM) have likely breached the Rs 50 trillion mark following a rally in domestic equities this month. The industry's average AUM stood at almost Rs 48 trillion at the end of October. In November, the Nifty50 index has gained about 4 per cent so far, while smallcap and midcap indices have rallied close to 8 per cent.
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
SIPs should be entered for 12 months at a time, and then renewed. You should use the renewal as an opportunity to review the portfolio. SIPs are a great way to invest in our view. if the environment is volatile, then SIPs are probably the best way for most investors, says mutual fund expert Rahul Goel.
'I've never done anything cliche and I've never got anything cliche.'
Build a portfolio diversified across market caps, investment styles, and geographies.
Don't opt for a SWP when you have a regular cash flow. During such times, opt for a SIP.
Mutual Fund inflows in FY25 have already reached two-thirds of the total inflows seen in the entire FY24, with net inflows standing at Rs 1.3 trillion.
'For those seeking regular income, these funds provide a steady stream of income through dividends.'
'We are probably working with flawed data on household finance.'
'For experienced and risk-taking investors, now may be the time to go all in.' 'By 'experienced and risk-taking', I refer to those who remained net buyers in equities during the early stages of the 2020 pandemic.' 'On the other hand, those who exited the markets during the pandemic may go the SIP way.'
We do what the boss wants us to. And we do not mind putting body and soul on the line, notes Suveen Sinha.
'Sell part of your portfolio where you're making good money, especially in small caps and mid caps.' 'The money which you take home is yours. The money which is there on paper is not yours.
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
'We expect the bull-market phase to still persist, but now led by large-caps which offer better valuation and benefit from FII inflows.'
'We expect continued pressure on midcaps, but any sharp correction looks unlikely from here on.'
When an investor opts for a systematic investment plan (SIP) in mutual funds, the purpose is to average the cost of buying a bouquet of stocks, inculcate discipline and not having to worry about daily market fluctuations.
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