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.
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.
ELSS investments require a long-term commitment of at least seven years.
Assam Chief Minister Himanta Biswa Sarma says most of those present with singer Zubeen Garg in Singapore during his death have yet to respond to CID summons, and addresses related political accusations.
A grooming branch network for servicing HNIs is a stepping stone for a full-fledged wealth management business.
Meet the game-changer in mutual fund investments, explains Anamika Pareek.
One should avoid keeping excessive funds in one's savings account.
Ramalingam Kalirajan explains the pros and cons of both investment types.
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.
Credit-focused SIFs with lower minimum investment thresholds can provide a more practical option for investors with higher risk appetite, suggests Subodh Rai.
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
The systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
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.
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
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.
An algorithm, instead of the fund manager, decides which stocks are attractive and give returns to beat the market.
Quant funds are a unique offering in the MF space as the investment decisions are driven by a blend of active and passive strategies.
'Reduce your equity allocation, put that allocation into gold and fixed income.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
At the end of the day, this isn't about choosing between EMIs and SIPs. It's about choosing your path to financial freedom.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
'One should not invest more than 5 to 10 per cent of their overall portfolio exposure in global or international funds.'
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.
'The problem is that the bubble may not only be in valuations, but also in investors' minds.'
Tax evaders, BEWARE! The Income Tax department is using AI data analytics to bust fake deductions, flag HRA fraud, and trace digital footprints.
These funds at times invest in companies going through corporate restructuring, such as mergers, demergers, or buybacks.
Equity mutual funds (MFs) capped a strong 2024 with near-record inflows in December. With net inflows of Rs 41,156 crore in December, the 2024 tally surged to Rs 3.9 trillion, up 144 per cent compared to 2023. The December tally, which was only slightly short of the record-high inflows of Rs 41,887 crore achieved in October 2024, was fuelled by record inflows of Rs 9,761 crore into small-cap and mid-cap funds.
Valuations at current levels have historically corresponded single-digit returns.
'While investing in a silver ETF, one should be aware that it has historically exhibited higher price volatility than gold.'
'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.'
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.
They are making switch to the high-growth alternative investments fund industry, reports Pavan Burugula.
Following the sharp run in markets, valuations across the board have become elevated. The National Stock Exchange Nifty50 Index now trades at a 12-month trailing price-to-earnings (P/E) multiple of 24.3 times, 18 per cent higher than this year's low of 20.5 times. The valuation expansion in the broader markets has been sharper.
Only a limited set of investors should invest directly in corporate bonds.
Automobile sector accounts for the third-highest equity mutual fund contributions.
Some situations almost demand that you hit the sell button.
The possible instances of front running at Quant Mutual Fund have likely pushed the Securities and Exchange Board of India (Sebi) to expedite the implementation of an institutional mechanism framework designed to curb such market abuses. This framework, approved by the Sebi board in April, was slated to take effect six months after its notification. But, recent developments have set the wheels of regulation turning faster.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
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