Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
The average ticket size for a systematic investment plan (SIP) is edging up, even as the pace of new account openings remains strong. SIP ticket sizes had been shrinking in recent years, as mutual fund (MF) penetration grew. However, the average ticket size has started to climb again after a steep drop in the post-pandemic period, as the industry has doubled its investor base in the past four years.
rediffGURU Ulhas Joshi answers your mutual fund queries.
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Households should moderate large discretionary expenses for the time being.
'They should prioritise essential spending. They should maintain an emergency fund covering 6 to 12 months of expenses.'
Long-term investors should never stop their SIPs during market corrections.
Domestic mutual funds have infused the highest ever -- Rs 4.84 trillion -- this year amid strong inflows via SIPs.
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
'The volatility in the stock markets since September 2024 has hurt the pace of accretion of new investors.'
'Stopping now would defeat the core purpose of an SIP, which is to average out the purchase cost over market cycles.'
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
'Money is not just about greed or accumulation. It gives you freedom, dignity and choice. And you have every right to all three.'
Equity mutual funds attracted Rs 29,911 crore in November, marking a 21 per cent increase from the preceding month, according to data released by industry body Amfi on Thursday. This rise in inflows comes after three consecutive months of decline, signalling an improvement in investor sentiment.
Their assets under management (AUM) rose from Rs 1.04 trillion (January 31, 2025) to Rs 1.75 trillion (January 31, 2026), an increase of 68.3 per cent.
'Those satisfied with returns and not expecting further rally could be booking profits and also stopping SIPs.'
The post-Covid euphoria surrounding direct equity investing has ebbed in 2025. Individual investors have turned net sellers in the domestic equity market, pulling out about 8,461 crore so far this year - a sharp reversal from the record purchases seen in 2024, according to a report by the National Stock Exchange of India (NSE).
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When it comes to multibagger stocks, patience trumps market timing. Investors who stay invested in fundamentally strong stocks build wealth in the long term, and investors who wait for perfect entry points usually end up confused, late, or out of the market. Here, we will explore the role of patience in multibagger stock investments.
The continued MF buying has pushed the equity holding of MFs to over Rs 50 trillion for the first time.
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'The day is not too far when the share of MFs alone will be greater than that of foreign institutional investors.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
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When it comes to building wealth, Time really is King. The power of compounding is what makes the magic happen, says rediffguru Ramalingam Kalirajan.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
SIP top-ups are especially beneficial for young investors, who may start with a small SIP installment and grow it over their working careers, says Dwaipayan Bose.
Most first-time investors may be better served by diversified options such as flexicap or multi-cap funds, which already hold pharma and healthcare stocks.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
New investors should enter gradually and with a long horizon. 'Staggered investment through systematic purchase plans is advisable rather than lump-sum buying.'
New investors or those with lower-than-planned exposure should add US-oriented funds through SIPs.
'...a mix of asset classes.' 'Include equities for growth (across market caps), debt for stability and liquidity, gold as a hedge against macro and currency risk, and global assets for geographical and economic diversification.'
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1 lakh monthly income in your retirement years. This is the power of compounding -- a strategy that rewards you for starting early and staying consistent with your investments, says Ramalingam Kalirajan.
Just where are the stars welcoming the New Year?
The country's primary capital markets delivered a robust performance in FY26, emerging as a global leader in initial public offerings (IPOs) despite an uncertain environment, the Economic Survey said on Thursday.
Sometimes, the most powerful Budgets whisper and the wisest investors listen, notes Ramalingam Kalirajan.
December is all about embracing the chill, sipping on hot chocolate, and escaping to beautiful getaways before ringing in the New Year in style. And that's exactly what our stars are doing.
