'Maintain a balanced approach with a preference for short-to medium-duration funds.'
With the interest rate cut cycle nearing its end, several debt fund managers are shifting their focus towards interest income rather than betting on duration in anticipation of capital gains.
In several states, there were cases of falsification of records and money never reached the poor.
Interview with chief investment strategist, Reliance Capital.
You can start an SIP but don't overhaul the portfolio.
Don't rush to buy or sell aggressively. At best, exit stocks and mutual funds performing badly if there are profits.
Nomura has come a long way since launching its first India-dedicated fund six years ago.
While retaining the basic exemption limits at Rs 1.6 lakh (for individuals), Rs 1.9 lakh (for women) and Rs 2.4 lakh (for the retired), the slabs have been hiked substantially.
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
Actively managed debt funds with the flexibility to go long on duration made a strong comeback on the returns chart in 2023, thanks to softening bond yields. The average one-year returns of floater, long-duration, gilt, and dynamic bond funds, which ranged between 2.3 per cent and 4.5 per cent at the end of 2022, now stand at over 7.2 per cent, with some schemes delivering over 8.5 per cent, according to data from Value Research. Debt fund returns are inversely related to yields of underlying investments, meaning a decline in yields is positive for funds.
Floating-rate mutual funds are back in demand after a year-long period of consistent outflows. In the past three months, investors have poured over Rs 6,100 crore into these debt schemes, indicating a reversal in fortunes for the category that recorded outflows for 11 consecutive months (May 2022 to March 2023), totalling Rs 32,250 crore. Floating-rate funds invest at least 65 per cent in floating-rate instruments, which have their interest rates linked to the Reserve Bank of India repo rate.
Keki Mistry, bottom, left, vice-chairman, Housing Development Finance Corporation (HDFC), tells Joydeep Ghosh that debt fund investors could become risk-averse, leading to problems for other non-banking financial companies.
When you buy a stock, especially a mid- and small-cap one, have a price target. Once you hit the target, exit the stock, advises Joydeep Ghosh.
With RBI holding on to rates, investors should avoid longer duration funds for the near future, experts tell Joydeep Ghosh
'Banks have to be braver, willing to take more risks and give confidence to the customer,' observes Joydeep Ghosh.
India's shooters opened their account at the Asian Games, bagging the women's team silver in the 10m air rifle event in Hangzhou on Sunday.
After Chanda and Deepak Kochchar, the Kudvas are the second power couple in the financial world to come under the regulatory glare.
Linking all new floating rate loans to an external benchmark won't impact existing borrowers, so customers who have taken long-term home loans recently should watch things carefully, say Joydeep Ghosh and Sanjay Kumar Singh.
'They can transition from short to long-duration funds when the yield curve normalises.'
If you missed the primary market bus but still want to invest in Sovereign Gold Bonds, then feel lucky.
Importantly, is there hope going forward?
'Banks will continue to increase FD rates to attract more deposits and meet the increasing demand for credit.'
An NCD's credit rating will tell you whether risk possibility is high or low. Instruments rated below AA are regarded as high-risk.
The average difference in expense ratios between a regular and direct plan is 100 to 120 basis points. For those who need hand holding, spend the 100 to 120 basis points and get advice on the right schemes that suit you. Don't land up buying a scheme with low expense, but lower returns.
'The book captures Rana Kapoor's hunger for real estate leading to bungalows in Delhi, Mumbai, London and other cities; the multiple companies -- over 100 -- to fund his family's various ventures; the attempt to game the system by showing lower non-performing assets,' notes Joydeep Ghosh.
The credibility of India in the eyes of foreign investors has also relatively gone up, with China's blunders in this crisis.
Rebalance the portfolio at least once a year to ensure it remains in sync with the target asset allocation.
The new executive director of Reliance Capital has big shoes to fill in every way.
Avoid fresh investments, as there might be more opportunities in the coming months, market experts tell Joydeep Ghosh
Young Mehuli Ghosh settled for the silver medal after forcing a shoot-off in the women's 10m air rifle event with a perfect final shot of 10.9 while Apurvi Chandela secured bronze in the Commonwealth Games, in Gold Coast, on Monday.
Abhinav Shaw became the youngest gld medallist at the Khelo India Youth Games when he teamed up with Mehuli Ghosh to help West Bengal win the 10m air-rifle mixed team event.
While an impending rate cut is a good reason to enter debt funds, another is the high valuations in equity markets.
Despite the current bout of volatility, debt-oriented hybrid funds remain well suited for risk-averse investors.
'For the RBI, it is also strategic to allow the rupee to over-depreciate, then come and buy the rupee, and benefit from its appreciation. Speculators who have driven the rupee too low then make losses,' says Ashima Goyal.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
Despite returns from gold down over 5% in the past three months, it is a good idea to keep this asset class in your portfolio.
Jitu Rai says he believed unflinchingly, unquestionably in his ability to stage a comeback and win the men's 10m air pistol gold
The recommendation, if implemented, is likely to face opposition from the government's key support base among Hindu traders and businesspersons.
Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.
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