'For most investors, I recommend a low double-digit allocation (10 to 12 per cent) to gold and silver combined.'
Real wealth isn't built on random bets; it's built on disciplined, guided portfolio strategies that can withstand market ups and downs, says Ramalingam Kalirajan.
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.
Around 60 per cent of India's Uber rich wealth is still parked in real estate and gold, according to a report by Bernstein. Uber rich individuals includes Ultra High Net Worth Individuals (UHNI), High Net Worth Individuals (HNI), and the Affluent class.
New investor additions by mutual funds (MFs) have slowed dramatically in recent months, indicating that market correction and a rise in volatility are somewhat dimming the appeal of equity schemes. MFs have onboarded 300,000 new investors in April 2025, the lowest in 22 months.
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.
Investors will be able to authenticate if the entity receiving the payment is a valid entity under the ambit of Sebi.
Quant funds are a unique offering in the MF space as the investment decisions are driven by a blend of active and passive strategies.
'Sebi's measures are necessary to align the derivatives market with its underlying cash market, as the current disconnect is unsustainable.'
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
Here's a formula that helps you understand how much money you will need to retire early in India and simple steps to achieve it.
Canadian firm Manulife and Mahindra & Mahindra (M&M), an Indian automaker with interests in financial services, have signed an agreement to form a 50:50 life insurance joint venture (JV) with a total capital commitment of up to Rs 3,600 crore each totalling Rs 7,200 crore.
With average returns of 18 per cent over the past year, listed real estate investment trusts (Reits) have clearly outperformed both the Nifty Realty index and the Sensex. Over the same period, Nifty Realty fell 15.5 per cent, while the benchmark index was largely unchanged. Steady office leasing, the Securities and Exchange Board of India's (Sebi's) decision to reclassify Reits as equity instruments, and ongoing portfolio expansion have strengthened the sector's appeal.
These funds at times invest in companies going through corporate restructuring, such as mergers, demergers, or buybacks.
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.
The mutual fund industry in India is seeing unprecedented attrition among key personnel.
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
While a company spokesperson said Bharti would either dilute its stake or exit the venture, the fund house is trying to rope in a bank to strengthen its distribution network. In addition, an asset management venture is seen to have closer links with banks, which are looking to offer a wide range of financial products.
India's corporate bond market, driven by public sector undertaking (PSU) banks and financial institutions last year, is losing momentum since the second quarter of FY26.
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.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
A grooming branch network for servicing HNIs is a stepping stone for a full-fledged wealth management business.
In January, SIP account closures surpassed new registrations for the first time.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Reels often induce the FOMO-'Act now!' mentality. But sound investing is about consistency, diversification and a long-term horizon.
Hybrid mutual fund (MF) offers, expected to drive higher investor interest after the change in debt fund taxation, are set to end 2023 with the slowest account growth in the past three years. Investment accounts in hybrid funds are up 5.7 per cent so far in 2023 compared with 7.6 per cent in 2022 and 20 per cent in 2021, shows the data from the Association of Mutual Funds in India (Amfi). In 2020, the count had dipped 2.4 per cent.
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.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
It did come as a surprise when, last week, Religare Enterprises (promoted by the former promoters of Ranbaxy) decided to acquire a majority stake in the ailing Lotus India Asset Management Company. This is the first deal in India since the financial crisis caused the market to crash 23 per cent in October, and Lotus' assets under management from Rs 7,000 crore (Rs 70 billion) to about Rs 5,000 crore (Rs 50 billion).
According to the Mutual Fund Monthly Performance Report by Reliance Money, the fund houses were sitting on a cash pile of Rs 15,074.27 crore (Rs 150.74 billion) at May-end against that of Rs 20,108.92 crore (Rs 201.08 billion) at the end of previous month. Fund managers said that availability of stocks at cheap valuations renewed their interest in the secondary market.
Shares of asset management companies (AMCs) have rallied in the last 3-4 sessions due to clarity on regulatory changes in total expense ratios (TER) and expectations that it won't upset profits much in the long run. HDFC AMC has gained over 12 per cent in the last four sessions, while Nippon AMC and UTI AMC are up around 5 per cent. Aditya Birla Sun Life (ABSL), the only other listed AMCs, has risen more than 2.3 per cent in the last four sessions.
Inflows into equity mutual fund (MF) schemes declined for the third month in a row in March even though the equity market recovered sharply. Equity MF schemes raked in a net Rs 25,082 crore in March, down 14 per cent from February.
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
A retired banker in Delhi lost his entire life savings, amounting to Rs 23 crore, to cyber fraudsters who posed as ED and CBI officers. The victim was kept under 'digital arrest' for over a month and forced to transfer funds under duress.
'...aggressive pricing amid volatility, but these are exceptions.'
After overtaking foreign portfolio investors (FPIs) in market ownership, domestic institutional investors (DIIs) have further solidified their dominance. DII ownership reached a new all-time high of 17.82 per cent as of June 2025, up from 17.62 per cent at the end of March 2025, according to an analysis by Prime Database.
