Before you rush to invest in these funds, understand the risks they carry and whether you have the appetite for them, says Sanjay Kumar Singh.
One risk of investing in a very low-cost ETF is if a fund house runs it at below cost, it could close it if it fails to attract institutional money
While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.
Better stick to equity diversified funds, says Larisssa Fernand
While debt funds have emerged as the flavour of the season, not all investors understand debt funds. So the best they can do is put trust in the fund manager and the fund house.
Analysts say those taking exposure through stocks could look at firms focused on domestic business
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'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
Go for open-ended scheme that allows redemption, in case the fund does not perform
You can look at equity-oriented balanced funds.
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'To ensure you remain with the better performers, you need to consistently monitor your MF portfolios and weed out the non-performers, even if they are from a star fund manager or a fund house with a sound record.'
So unless you are convinced of getting your market timing absolutely bang on everytime, opting for SIPs is more realistic from a logistical and psychological standpoint, says Larissa Fernand
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
As emotional beings, humans tend to be their own worst enemy when it comes to making investment decisions, says Holly Cook
"Nobody should be buying a stock at a rate higher than its intrinsic (actual) value, because then you are looking at the greater fool theory to come into play -- that someone would buy it again from you enabling you to make a profit." Excerpt of his views on value investing.
Balanced funds are suitable for investors who have low-risk appetite or are new to equities.Those with more than seven-year investment horizon should look at funds that have higher equity exposure.
"Nobody should be buying a stock at a rate higher than its intrinsic (actual) value, because then you are looking at the greater fool theory to come into play -- that someone would buy it again from you enabling you to make a profit." Excerpt of his views on value investing.
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Most infra projects have hit a road block due to high cost of funds.
Equity investments are fruitful over the very long 20-year term.
Had you invested Rs 5,000 every month in SBI Magnum Multicap Fund through systematic investment plan (SIP) for the last 5 years, the value of your investment would be over Rs 5.2 lakh as on August 22, 2016
The Public Provident Fund is one of the safest and convenient modes of investment.
If you want to invest in mutual funds, but don't want your investment to dip below market returns, then you must know the difference between 'active' and 'passive' investing.
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