Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Follow these simple steps if you want to create a solid retirement corpus and retire young, says Anamika Pareek.
Despite uncertain times and market volatility ahead, investors should continue with their disciplined investing via SIPs.
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
So unless you are convinced of getting your market timing absolutely bang on everytime, opting for SIPs is more realistic from a logistical and psychological standpoint, says Larissa Fernand
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
Given gains in equity prices, it is not surprising that the earnings of asset management companies (AMCs) are growing quicker. The earnings momentum looks set to continue. Good fund performances have thus led to AMC earnings upgrades although valuations are high. Recent market performance and net flow trends have led to earnings upgrades by between 3-8 per cent for FY25-27.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
A comprehensive look into what this scheme is all about and why as an investor one should not go for this scheme.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'The political situation in the country will depend on the electoral outcome in Maharashtra.'
Rediff.com spoke to registered investment advisors to figure out how best the extra Rs 17,500 saved ever year can be invested to create a decent corpus in the years ahead. This is what they said.
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rediffGURU Vivek Lala answers your income tax and personal finance queries.
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rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
Literally new to the market, VIP is available only with Benchmark MF.
'If their allocation to certain segments have become high due to strong returns over the past three-four years, they should rebalance their portfolios and bring them in line with their long-term asset allocation.'
'I've never done anything cliche and I've never got anything cliche.'
Mutual funds' equity buying remained elevated for the fifth consecutive month in December, taking the net equity purchase past Rs 1.7 trillion in 2023. The aggressive buying in December indicates that flows into equity funds are likely to have remained unaffected by the sharp run-up in the market last month. Mutual funds (MFs) bought equities worth Rs 23,000 crore last month (until December 28) compared to Rs 18,000 crore in November, shows data from the Securities and Exchange Board of India (Sebi).
One of the biggest advantages of index funds and ETFs is their low cost, points out Sarbajeet K Sen.
In this article, we list the wrong reasons for investing through SIPs and cite instances when SIPs may not deliver.
'In the short term you keep your return expectations very, very low; in the medium term be prepared to invest and in the long term growth will come and your returns from stocks will be high.'
Investors often mistake SIPs as an investment avenue rather than a mode of investing in mutual funds
Investors should ideally invest via SIPs over at least 2-3 years.
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
Out of 3,871 recovery certificates issued by the regulator in various cases, 807 have been certified as difficult to recover.
When you buy a stock, especially a mid- and small-cap one, have a price target. Once you hit the target, exit the stock, advises Joydeep Ghosh.
We do what the boss wants us to. And we do not mind putting body and soul on the line, notes Suveen Sinha.
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
A buoyant equity market, coupled with an improved performance of mutual funds (MFs) on the returns chart, has heightened retail investors' appetite for equities. In the past few months, equity MF schemes have seen a surge in fresh investments through both lump sum (one-time investments) and systematic investment plan (SIP) routes. During the August-September 2023 period, equity MF schemes recorded net lump sum investments of Rs 35,270 crore, compared to just Rs 5,550 crore in the previous three months, according to data from the Association of Mutual Funds in India (Amfi).
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'For those seeking regular income, these funds provide a steady stream of income through dividends.'
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
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Mutual Fund inflows in FY25 have already reached two-thirds of the total inflows seen in the entire FY24, with net inflows standing at Rs 1.3 trillion.
Smallcap mutual funds recorded net outflows for the first time in 30 months in March as investors pulled out money after the markets regulator, the Securities and Exchange Board of India (Sebi), warned against "froth" in the mid and smallcap space. Active equity mutual fund (MF) schemes raked in Rs 22,600 crore in March. The March inflow is 16 per cent lower than the two-year high inflow of Rs 26,860 crore in February, shows data from the Association of MFs in India (Amfi).
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