Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Investors who constantly hop between 'top-performing' funds often end up earning far lower returns than the very funds they invest in -- simply because they enter late and exit early. Best investors don't chase returns, they chase discipline, says Ramalingam Kalirajan.
Domestic mutual funds have infused the highest ever -- Rs 4.84 trillion -- this year amid strong inflows via SIPs.
West Indies have suffered back-to-back series whitewashes by Australia and India in a run of five straight losses that has exposed not just technical and structural gaps but a deeper erosion of the pride that once defined the famous maroon cap.
All trading platforms provide MTF (Margin Trading Facility). MTF is utilised to buy more security with less capital and to enter bigger trades with less funds. Experienced traders use it as a tool. However, many beginners are unaware of many things related to MTF, which we will discuss today.
'...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.'
Investors seeking higher returns at relatively higher risk should consider allocation to smallcap equity funds.
SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
These funds carry low risk and should be able to beat the returns from fixed deposits.
Assessing where their funds are flowing gives traders a hidden edge in predicting the market direction and momentum.
13 clubs have confirmed for truncated ISL, AIFF hoping for Odisha FC to join: sources
Activity in the corporate bond market is set to gain momentum following a 25-bp policy repo rate cut by the rate-setting panel of the Reserve Bank of India (RBI). State-owned public cebPower Finance Corporation (PFC) and Small Industries Development Bank of India (Sidbi) are planning to raise up to Rs 11,500 crore through bonds on Tuesday as issuers expect borrowing costs to ease.
The need for money among banks, especially for short-term funds, may turn more intense in the last month of the financial year to feed the demand for capital for tax payments and meet year-end targets. The mobilisation of funds via the certificate of deposits (CDs) has seen a threefold increase to over Rs 60,000 crore in the fortnight that ended February 23 from around Rs 20,000 crore in the fortnight of January 26, 2024, according to the Reserve Bank of India (RBI) data.
While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
'We operate in an economy that is structurally positioned for long-term growth. As market levels rise over time, our AUM grows in line.'
'Exiting during corrections tends to lock in losses. Patient investors have benefited from holding through similar drawdowns in past cycles.'
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
I am inclined to believe that the Venezuela adventure is not an indication of American strength, alas, but rather of American weakness, points out Rajeev Srinivasan.
The Indian rupee, swaying through multiple headwinds, tiding over global trade disruptions and massive foreign fund outlfows, is unlikely to arrest its descent until tariff impact overhangs, notwithstanding robust domestic macroeconomic tailwinds. The Reserve Bank of India (RBI), which sees the rupee's depreciation as a silver bullet to offset the tariff shock, expects the currency to find its stable course once India reaches a trade deal with its largest trading partner, the US.
University College London has recorded a 19 per cent and 26 per cent rise in undergraduate and postgraduate students from India for the 2026 term, indicating a preference for the UK over the US at a time when Indian students are facing visa uncertainties in US-based institutions.
The surge has come alongside a decline in average issue sizes and more muted listing-day returns compared with last year.
Foreign investors fled Indian equities in 2025 at a scale never seen before, pulling out a record Rs 1.6 lakh crore (USD 18 billion) as volatile currency movements, global trade tensions, especially potential US tariffs, and stretched valuations eroded risk appetite, though flows are expected to turn sustainably positive in 2026.
From Rs 73k to over Rs 1.2L between January-December 2025 -- is buying gold in 2026 still sensible?
'Our goal here is to become a small catalyst in humanity's journey of conscious evolution. To lead us into the Post-Darwin era.'
The competitive intensity in the mutual fund (MF) industry is moving beyond scheme performance, cost structures, and distribution. In recent months, several fund houses have rationalised exit loads applicable on redemptions.
Banks have started putting the brakes on short-term corporate loans.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'Only four or five original companies remain; the rest have been replaced every decade as sectors evolve or leadership shifts.' 'Companies that fail to adapt -- like many textile mills from the 1970s and shipping firms from the 1980s -- disappear.' 'Benchmark indices reward those who reinvent themselves in line with economic demands.'
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
India's equity markets may have expanded rapidly, but initial public offerings (IPOs) are increasingly becoming exit vehicles for early investors rather than as engines for raising long-term capital, a shift that undermines the spirit of public markets, Chief Economic Advisor V Anantha Nageswaran warned on Monday at a CII event.
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
These schemes are a good choice for investors contemplating a large investment in equity funds. Instead of investing all the money in one go, they can do so in a staggered manner by parking it in these schemes and then transferring it to equity mutual funds through a systematic transfer plan.
rediffGURU T S Khurana answers readers' personal income tax queries.
You don't need a six-figure salary to build wealth -- you need discipline and a smart plan, says Ramalingam Kalirajan. and shows you how
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
The best way for India to prepare is by preserving and strengthening the RBI's hard-won credibility, point out Rajeswari Sengupta and Vaishali Garga.
Every investor loves a bull market - that feeling of watching portfolios rise and headlines being filled with record highs is gratifying. Yet, wealth creation in the stock market is not just a matter of market rallies. Some of the most successful investors make their fortunes in periods of slow or even negative market momentum. The secret is mindset, strategy, and disciplined investing, not chasing short-term rallies.
© 2026 Rediff.com - Advertise with us - Disclaimer - Privacy Policy - Sitemap - Feedback - About us - Terms of use - Grievances