The Securities and Exchange Board of India (Sebi) will let Category-I and-II alternative investment funds (AIFs) run a dedicated "co-investment" (CIV) scheme for accredited investors, doing away with an earlier requirement of a separate portfolio-manager licence. The rules notified on Monday are aimed at reducing compliance burden for the AIF managers.
'Given that India underperformed emerging markets by 28 per cent in 2025, the worst performance in over 30 years, the timing of the sharp STT hike could have been better.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Mutual fund industry extended its bull run in 2025, adding a staggering Rs 14 lakh crore to its asset base and pushing total AUM to a record Rs 81 lakh crore by November, powered by surge in retail participation and record SIP inflows. Venkat Chalasani, chief executive officer of AMFI, told PTI that the industry's outlook remains positive, with steady SIP inflows continuing to offset foreign portfolio investor outflows and strengthening market resilience.
The RBI advisory follows a labour ministry request earlier this year seeking the central bank's expertise to identify gaps in EPFO's investment strategy and fund management practices, including accounting, risk management, and internal governance.
'For most investors, I recommend a low double-digit allocation (10 to 12 per cent) to gold and silver combined.'
'A breakout above 158,000 to 160,000 could trigger the next leg higher toward 165,000 to 170,000.'
After two years of strong gains, smallcap stocks fell sharply in 2025, but the correction may be setting up opportunities for long-term investors.
'We believe the truth is in the middle, and that India is at an important crossroads.'
Indian equities declined on Friday, with the benchmark Nifty posting its worst weekly fall since September, as foreign investor sentiment remained weak amid tepid earnings growth and little progress on the India-US trade front.
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
Investors seeking higher returns at relatively higher risk should consider allocation to smallcap equity funds.
'Such stocks may be useful for aggressive portfolios, but should not be part of the core holdings.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Investors must account for currency depreciation in their financial plans and use instruments that can cushion the erosion in purchasing power.
While investments are typically reviewed annually, risk cover is often left unchanged for years.
Rediff explains why the system, not the Budget, is the problem.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
The continued MF buying has pushed the equity holding of MFs to over Rs 50 trillion for the first time.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
From Rs 73k to over Rs 1.2L between January-December 2025 -- is buying gold in 2026 still sensible?
Largecap equities are less volatile than mid- and smallcap stocks, making them suitable for risk-averse investors.
'We serve more than 1.2 billion trips annually and have over 1.5 million active earners each month using the platform.'
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
'We currently have new proposals worth Rs 1.48 trillion in the pipeline.'
Passive funds appeal to investors seeking to avoid the risk of underperformance by the fund manager and minimise the need for frequent chopping and changing of funds.
Retail investors are moving away from a buy-and-hold approach and towards more informed short-term positioning, recent investment patterns show.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
'Stopping now would defeat the core purpose of an SIP, which is to average out the purchase cost over market cycles.'
'The net inflows into MF schemes may also have been lower last month, with investors booking profit and taking a more measured approach amid elevated valuations.'
'First-time or conservative investors should avoid narrow sectoral funds.'
'Maintain a balanced approach with a preference for short-to medium-duration funds.'
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
Sectoral funds, focused exclusively on public sector banks (PSBs), have delivered the strongest returns among domestic mutual fund (MF) categories over the past six months. However, active banking funds have significantly lagged because of their heavy tilt towards private lenders.
Despite recent underperformance, MNC funds have delivered over longer time frames.
The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
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