An algorithm, instead of the fund manager, decides which stocks are attractive and give returns to beat the market.
'The problem is that the bubble may not only be in valuations, but also in investors' minds.'
The systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
It was another good month for investors as equity markets surged northwards and touched record highs. The BSE Sensex posted a gain of 14.73% during the month to close at 19,838 points; the S&P CNX Nifty appreciated by 17.53% to settle at 5,901 points. The CNX Midcap rose by 8.49%, before settling at 7,450 points. However, these numbers conceal the intense volatility that was experienced during the month.
Credit card issuers use a decision model to decide whether or not to issue a credit card to an applicant, and the credit limit to offer in case they decide to issue one. It is the same with loan companies. In all such cases, the decision model analyses the information provided by the applicant and to arrive at a decision. The yardsticks of such decision models are based on statistics of past experiences.
The month of September proved to be the most lucrative one in the calendar year so far, as equity markets set and breached record highs at alarming regularity. The BSE Sensex posted a gain of 12.87 per cent during the month and closed at 17,291 points; the S&P CNX Nifty appreciated by 12.48 per cent and ended at 5,021 points. The CNX Midcap rose by 13.62 per cent, before settling at 6,867 points.
By following the path of Kula Dharma as mentioned in the Bhagavad Gita, you will not only be securing your child's future but also contributing to your own early sukoon (peace and well-being), says Vatsal Ramaiya
Some situations almost demand that you hit the sell button.
In January, SIP account closures surpassed new registrations for the first time.
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.
'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are viable for those in the 20 per cent bracket, but less so for those in the 10 per cent bracket.'
Which fund companies' equity funds clocked the best median performance over a five-year period? Here's the answer!
In a surprising development, we have ING Vysya ATM (a contrarian fund) at the top of the heap with 1.48% appreciation over last week.
There is little time left for investors to finalise their tax-saving investments. As far as the risk-taking investor is concerned, its about time he tied up his investments in tax-saving funds.
Today, says Ajit Menon, CEO, PGIM India Mutual Fund, he's pretty much cruising on the parenting highway but that wasn't always the case.
'A balanced portfolio mix of domestic and international equity, fixed income, and precious metals is recommended.'
If they act now, they can reshape the strategic map of Asia without firing a shot. If they wait, the next opportunity will come only after a serious Taiwan Strait incident -- by which time the price will be far higher, and the room for boldness far smaller -- the opportunity may well be lost by then. The question is no longer whether this can or should be done, points out Varun Arya.
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.
Credit-focused SIFs with lower minimum investment thresholds can provide a more practical option for investors with higher risk appetite, suggests Subodh Rai.
One should avoid keeping excessive funds in one's savings account.
ELSS investments require a long-term commitment of at least seven years.
ELSS are mutual funds that invest in the stock market and give the tax benefit under Section 80C of the Income Tax Act.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
'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.'
While the minimum holding period for LTCG taxation has now been lowered, the tax outgo could be a bit higher under the new structure.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
The BSE Sensex plunged by about 35 per cent in the last six months. The benchmark index which was over 20,000 level in January, is currently hovering around 13,000. Pre-IPO placement that was intended to offload about 11 per cent of the post diluted shares has also been put on hold, sources said pointing out that the company would revisit its capital raising plan once the market condition improves.
Of course, not all AMCs use such marketing schemes; certain AMCs have told us that they would have preferred to keep an arm's length from these tactics, but their hand was forced by other AMCs. The bottom line is that investors/agents are regularly bombarded with rewards/incentives by AMCs and core factors like the fund's investment proposition and track record are conveniently pushed to the background.
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
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.
What appeared to be a generous act of friendship was, in truth, a manoeuvre within a much larger strategic game. The United States used the 1962 war not just to aid India but to test how far it could be pulled into the Western fold, points out Dr Kumar.
The proposed guidelines cover several key parameters, including governance, investor protection, disclosure, testing frameworks, fairness and bias, and data privacy and cybersecurity measures.
Active equity mutual fund schemes have improved their showing across key categories over the past three months vis-a-vis their benchmarks.
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
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