rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
If your fund unjustifiably holds a large amount of cash, stop investing and take a relook at its capability to spot opportunities.
Retail investors are moving away from a buy-and-hold approach and towards more informed short-term positioning, recent investment patterns show.
Though the fund houses have garnered over Rs 1,500 billion from investors, only 8-10 would declare their monthly FMP portfolios till a few months ago. Instead, they gave 'indicative portfolios' and 'indicative returns' to the potential investor. This month, all fund houses declared the portfolios of their schemes because of the half-yearly results. And, to the horror of many investors, the real portfolios were 80-90 per cent different from the 'indicative portfolios.'
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
While mutual funds charge fees of 1-1.5 per cent of assets managed, that for pension funds could be a hundredth since the two investment streams are dramatically different.
Five things you must know before investing in mutual funds and you will be less likely to fret during market ups and downs.
Fund companies deny the existence of 'star managers' to understate key man-risk; investors on their part, must evaluate if the fund remains as good a bet, sans its 'star'.
Two ratios can help you in monitoring your mutual funds' performances and finding worthy ones.
Mutual fund investors will be able to earn more on their investments because of the Securities and Exchange Board of India ruling on the removal of 2.25 per cent entry loads on their investments.
If you don't have enough time to study the market, go for mutual funds, says personal finance expert Rahul Goel.
The time is ripe for a merger of eight fund houses indirectly owned and controlled by the central government, says N Sundaresha Subramanian.
Mutual fund houses do have several challenges ahead to win more investors.
These funds have scored the best on the Morningstar Risk and Return rating grades.
Ten Indian states contribute a lion's share of 95% or Rs 12.25 lakh crore.
The Sebi chief said that although the idea of an SRO has been challenged in court, he is hopeful of its implementation.
But you may need to do some running around to obtain a no-objection certificate from your earlier agent if you have switched agents
The Securities and Exchange Board of India (Sebi) is discussing with mutual funds (MFs) a proposal on introducing new total expense ratio (TER) slabs linked to the total equity and debt assets by replacing the current ones that are linked to assets of an individual scheme. Senior MF executives confirmed that Sebi had held discussions on this matter with AMCs. Such a change is expected to lead to a lower TER cap for bigger asset management companies (AMCs).
Investors who issued units in liquid and overnight funds, as well as those with a short-term holding of less than 30 days, are likely to be impacted the most, say experts.
Benchmark indices today are where they were five years back. But that has not been a deterrent for these equity funds, which topped their respective categories.
DLF wrote to Sebi, asking if the firm's ban on securities transactions extends to mutual fund investments.
Diversification is the key to achieve optimal risk-adjusted returns. Often, an investor is confused whilst deciding on the number of mutual funds you should consider holding in your portfolio.
Mutual funds (MFs) are betting on a turnaround in the healthcare sector to boost returns but are divided on the prospects of the information technology (IT) sector amid uncertain growth outlook. At the end of June, all of the top 20 fund houses were overweight on the healthcare sector vis--vis the sector's presence in the BSE 200 index, shows a report by Motilal Oswal Financial Services (MOFS). In the case of the IT sector, only six of the 20 fund houses had overweight positions.
The mutual fund industry witnessed a 18 per cent decline in its assets under management in October, plunging below the Rs 5-trillion mark for the first time this year.
Six parameters to help you to find the winners.
State Bank of India has sold 37 per cent stake in its mutual fund arm -- SBI Fund Management Pvt Ltd -- to France-based Societe Generale Asset Management, for an undisclosed sum.
Gwadar is viewed as a critical pearl in China's maritime strategy as it would give a permanent logistical footprint near an important choke point - the Strait of Hormuz and the oil rich Persian Gulf, explains Commodore Venugopal Menon (retd).
After Bandhan MF's US Treasury Bond 0-1 year Fund of Fund (FoF), Aditya Birla Sun Life (ABSL) MF has come out with US Treasury 1-3 Year Bond ETFs FoF and 3-10 Year Bond ETFs FoF. US bonds, which generally offer low yields, have turned attractive post the 525-basis point hike in US interest rates. According to Bloomberg data, the 1-year and 2-year US treasury yields now stand at 5.4 per cent and 5.1 per cent, respectively. Although the yields remain lower than what Indian government bonds offer, the differential has come down steeply.
Reforms took centre-stage last year, but 2010 may be the year when their effects will be seen.
Suppandi has evolved over the years from being a household help to having a variety of office jobs.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
From the financial year 2025-2026, the government has introduced a new column in the tax return form for presumptive taxpayers, requiring them to disclose their year-end investments. This requirement was not present last year.
During 2013-14, the number of investor folios for equity schemes fell by 40 lakh.
The stock markets are going down and investing directly in stocks has become risky. While mutual funds help you minimise risks you should know a few things about them before investing. Here are a few tips on how to invest in mutual funds.
Investors must have predetermined investment objectives and plans before they start investing; also, they must invest in line with the same at all times.
