Overlap refers to the same stocks appearing across fund portfolios.
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Flexicap fund performance depends heavily on the fund manager's decisions.
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
Those who have binged on credit must spend less, cut discretionary expenses, and focus on repayment.
'Having a separate healthcare corpus is extremely important even for those already covered by health insurance.'
'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
Use these loans to meet emergency needs, and not to fund holidays or luxury purchases.
'Trading without strict position sizing, stop-loss discipline, or a clear exit plan almost guarantees losses.' 'Chasing tips, reacting to intraday noise, or assuming frequent trading improves outcomes are equally damaging habits.'
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
Majority of equity fund managers were able to squeeze in some extra returns over their benchmarks in 2024-25 (FY25). While some managed to do so by delivering outsized returns during the equity market rally in the first half of the year (H1FY25), others succeeded by limiting the downside during the market downturn.
Customers must sign the agreement promptly to avoid disruptions. They should read it thoroughly and understand their rights and obligations.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
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The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
'If the markets correct further, PSU stocks could continue to decline.'
This is how two people with the same starting amount can end up in very different financial places. In this article, let's understand what lessons can be drawn for anyone starting out!
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
'Understand how wedding expenses fit into your overall financial situation.' 'Evaluate how different levels of spending will impact other goals like retirement, travel, or housing.'
Investors should match their investment horizon with the fund's portfolio duration.
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
Younger investors with long investment horizons may continue their SIPs.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
AI isn't a magic wand. It works best when combined with good systems, informed investors, and skilled advisors, says Amit Suri.
Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Inflows into gold exchange-traded funds (ETFs), which manage a total of Rs 37,390 crore, have surged sharply in recent months. This trend is likely to continue, especially after the reintroduction of long-term capital gains tax (LTCG), which is likely to attract smart money into mutual fund offerings amid a robust outlook for the yellow metal. Smart money, also known as opportunistic flows, refers to strategic investments that are generally of a short-term horizon.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
Do not keep a large portion of your long-term portfolio in FDs.
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