rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Arbitrage funds, the new favourite of individual investors, delivered their best performance in nearly a decade in 2024. On average, the schemes delivered 8 per cent return last year, the highest since 2016, according to data from Value Research. The returns were supported by positive equity market sentiments, surge in open interest in stock futures, high interest rate, among other factors, analysts said.
The interplay between domestic and foreign capital will shape India's equity markets.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'BSE has facilitated nearly Rs 35 trillion in capital raising across multiple segments.'
The Securities and Exchange Board of India (Sebi) is set to introduce key reforms aimed at facilitating smoother mega initial public offerings (IPOs). Key among the proposals is a reduction in the quota reserved for individual investors - those applying for less than Rs 2,00,000 per application - from the current 35 per cent to 25 per cent for large IPOs (issue size above Rs 5,000 crore).
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.
If a fund manager moves on to another fund or resigns from the concerned asset management company, is that a sign to sell your holdings in the fund or discontinue your SIP? Read on...
With so many equity funds available, how does one go about selecting the right one? Here are some simple tips...
Front-running is a fraudulent practice where traders exploit advance knowledge of large client orders for personal profit.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
P V Subramanyam clears some misconceptions about debt funds.
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.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Here's how to own your dream home without paying excessive interest on your EMIs.
In a falling market, the value of your investment keeps going down. However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
These funds at times invest in companies going through corporate restructuring, such as mergers, demergers, or buybacks.
The majority of active largecap funds are set to outperform for the second year in a row in 2024, thanks to the strong performance of their midcap and smallcap allocations.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Credit-focused SIFs with lower minimum investment thresholds can provide a more practical option for investors with higher risk appetite, suggests Subodh Rai.
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.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
These are usually found among small and midcaps. It is not easy to find such stocks, especially after a strong bull market, discovers Debashis Basu.
'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.'
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
Mutual funds (MFs) have significantly increased their ownership across market segments, but the midcap space stands out with comparatively higher growth. Data reveals that the number of midcap companies with over a fifth of MF ownership has doubled from nine in March 2022 to 18 by March 2025. In contrast, largecap stocks saw only a marginal rise, from three to four such companies during the same period.
A strong influx of 11 equity new fund offers (NFOs) in June, particularly within the thematic space, helped mutual funds collect Rs 14,370 crore - the highest ever via such introductory offers. This surpassed the previous high recorded in July 2021, where four NFOs accumulated Rs 13,709 crore, with ICICI Prudential MF's flexicap NFO alone mobilising Rs 9,808 crore.
'One should not invest more than 5 to 10 per cent of their overall portfolio exposure in global or international funds.'
ELSS investments require a long-term commitment of at least seven years.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Nikunj Saraf, Vice President Choice Wealth, answers your queries
Market watchers link the pullback to underwhelming listing-day performance and the lack of big-name IPOs.
Mutual fund bets in their own schemes are nearing the Rs 1 trillion mark. The total value of sponsor and associate investments across all categories of schemes touched Rs 95,058 crore in February, according to a Business Standard analysis of data from industry body the Association of Mutual Funds in India (Amfi). This represents a 28.9 per cent increase over March 2023.
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 systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Debt mutual fund (MF) schemes are set to register the best calendar year (CY) performance in the last four years despite no changes in the interest rate. An analysis of one-year performance of debt funds show that many of the schemes are set to deliver double-digit returns in CY 2024.
