Are value averaging investments plans better than systematic investment plans? Do they have any downsides? Here are the answers.
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The MF investor count, which stood at around 38 million in April 2023, has surged by 19 per cent in the past year.
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
The number of active SIP accounts is nearing the 100 million milestone.
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
Let reason, not emotion, guide your decisions.
Value averaging investment plan (VIP) is a powerful investment concept which provides considerable safety from the market volatility, discipline and reasonable guarantee of returns.
These commandments when strictly followed can make you a successful investor; make you richer.
A disciplined, systematic investment habit started at a young age is normally sufficient to meet modest goals without having to sacrifice a normal comfortable lifestyle, suggests Harsh Roongta.
Any industrial policy is only as good as how it is applied and the other reforms that support it. This was as true 40 years ago as it is now, points out Debashis Basu.
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
Mutual funds (MFs) managed a record Rs 66.2 trillion in assets during the July-September quarter, marking a 12.3 per cent increase over the previous three-month period - the highest quarterly jump in MF assets in at least five years. During the April-June period, the average assets under management (AUM) stood at Rs 59 trillion. The sharp rise in AUM, according to experts, is driven by a robust equity market rally and record inflows into equity schemes.
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.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
When an investor opts for a systematic investment plan (SIP) in mutual funds, the purpose is to average the cost of buying a bouquet of stocks, inculcate discipline and not having to worry about daily market fluctuations.
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.
'The correction in the markets in the initial part of August provided investors a good buying opportunity.'
Out of 3,871 recovery certificates issued by the regulator in various cases, 807 have been certified as difficult to recover.
Redemptions from systematic investment plan (SIP) accounts scaled a new high of Rs 14,367 crore in July, indicating investors booked profits following back-to-back months of gains in the market. Volatility triggered by Budget announcements also played on investor sentiment. "July 2024 saw a peak in the Nifty, which may have prompted profit-booking among investors nearing the end of their goal tenure.
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Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
As certified financial planner Gaurav Mashruwala says, "As a thumb rule, for the maximum growth, investments for goals which are more than 10-15 years away should be made in equities. Two-three years prior to the goal, the corpus should be shifted to debt instruments."
While selecting a smallcap scheme, go with one that has a good track record and a stable fund manager.
Shrinking inflows and surging outflows on account of profit-booking has curtailed mutual fund (MF) investments in equities since April. The total investments made by equity MFs during the first three months of 2023-24 stands at just Rs 2,980 crore, compared with an average monthly investment of Rs 14,500 crore in 2022-23, reveals data from the Securities and Exchange Board of India. "We are seeing signs of moderation in non-systematic investment plan (SIP) contribution, which has impacted domestic fund inflows in recent months to some extent," says Kunal Vora, head-India equity research, BNP Paribas.
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
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Systematic investment plans of top mutual funds that you can invest your money for better returns.
Systematic investment plans not only generate good returns by tiding over short-term volatility, they can also be a good tax-saving instrument.
Lump sum investments in equity and hybrid schemes of mutual funds (MFs) declined to Rs 17,900 crore in October - the lowest since January 2021. The fall in lump sum investments comes even as flows through systematic investment plans (SIPs) rose to a new all-time high of Rs 13,000 crore in October. The latest lump sum tally is just a third of the peak inflow of Rs 49,700 crore in July 2021.
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