In January, SIP account closures surpassed new registrations for the first time.
People with modest incomes can also build a crore-worthy portfolio by investing small amounts consistently, says Ramalingam Kalirajan, and shows how the magic of compounding works.
'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are viable for those in the 20 per cent bracket, but less so for those in the 10 per cent bracket.'
Mutual funds' average cash holdings in equity schemes topped 6 per cent in February as fund managers went slow on deployment of new inflows on expectations of better buying opportunities amid uncertainties in the market.
Paytm's parent company One97 Communications president and chief operating officer Bhavesh Gupta has resigned from the company, an official statement said on Saturday. As part of a change in leadership structure, fintech firm Paytm has appointed Rakesh Singh as chief executive officer of Paytm Money.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Let's Make Savings As Exciting As Spending. This World Savings Day, rediffGURUS Nitin Narkhede, Milind Vadjikar and Ramalingam Kalirajan are all set to answer your queries on savings and investments.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
All transactions in the units of an asset management company's mutual funds exceeding Rs 15 lakh executed by designated persons, trustees, or their immediate relatives must be reported to the compliance officer within two business days from such transactions, Sebi said on Tuesday. The threshold of Rs 15 lakh could be either in a single transaction or multiple transactions within a quarter, per PAN, across all schemes except exempted ones. The new rules will be applicable from November 1, the Securities and Exchange Board of India (Sebi) said in a circular.
Specialised investment fund (SIF), a new asset class, will have the same expense structure as that of mutual funds (MFs), according to rules notified by the Securities and Exchange Board of India (Sebi). SIF, which was first proposed by Sebi in July 2024, aims to fill the gap between MFs and portfolio management services (PMS), and it looks at informed investors, who are willing to take riskier bets.
An algorithm, instead of the fund manager, decides which stocks are attractive and give returns to beat the market.
Ramalingam Kalirajan explains the pros and cons of both investment types.
A grooming branch network for servicing HNIs is a stepping stone for a full-fledged wealth management business.
The improving outlook for the power sector has caught the interest of dividend yield funds. In the first four months of the current financial year (2023-24, or FY24), five of the six largest dividend yield funds have shown a notable increase in their exposure to stocks within the power sector. Some have even introduced new stocks to their portfolios.
Capital markets regulator Sebi on Monday cleared a proposal to introduce a new asset class for high-risk profile investors to bridge the gap between mutual funds and portfolio management services in terms of flexibility in asset construction. The minimum amount of Rs 10 lakh can be invested for the new asset class per investor across all investment strategies of the new product in a particular AMC.
ELSS investments require a long-term commitment of at least seven years.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Meet the game-changer in mutual fund investments, explains Anamika Pareek.
Credit-focused SIFs with lower minimum investment thresholds can provide a more practical option for investors with higher risk appetite, suggests Subodh Rai.
'What we need to watch is how Saudi Arabia's financial assistance will be used by Pakistan. If the funds go to build their military hardware and operations, it should worry us.'
By taking the mutual fund route, investors can take exposure to gilts with small amounts. Over a decade or more, returns from these funds tend to be sound.
Quant funds are a unique offering in the MF space as the investment decisions are driven by a blend of active and passive strategies.
The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
Market watchers link the pullback to underwhelming listing-day performance and the lack of big-name IPOs.
One should avoid keeping excessive funds in one's savings account.
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
They are making switch to the high-growth alternative investments fund industry, reports Pavan Burugula.
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
The systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
Some situations almost demand that you hit the sell button.
Automobile sector accounts for the third-highest equity mutual fund contributions.
In the past 10 years, over 500 PSB officers have died by suicide. When targets are overwhelming, senior management and customers are both impatient, and there is constant fear, not every banker has the resilience to survive and thrive, warns Tamal Bandyopadhyay.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
HDFC Asset Management Company (HDFC AMC) reported a healthy profit after tax (PAT) of Rs 430 crore for the July-September quarter (Q2) of financial year 2023-24 (FY24). It rose 20.2 per cent year-on-year (Y-o-Y) and decreased 8.4 per cent quarter-on-quarter (Q-o-Q). This was driven by good equity returns, leading to a sequential improvement in revenue yields.
'Reduce your equity allocation, put that allocation into gold and fixed income.'
'One should not invest more than 5 to 10 per cent of their overall portfolio exposure in global or international funds.'
'From a risk-return perspective, large-cap funds may generate lower-than-historical average returns in 2024, whereas mid-, and small-cap funds hardly have any upside left.'
These funds at times invest in companies going through corporate restructuring, such as mergers, demergers, or buybacks.
'The problem is that the bubble may not only be in valuations, but also in investors' minds.'
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