Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
In January, SIP account closures surpassed new registrations for the first time.
After a stellar 2023, the mutual fund industry sustained its growth momentum in 2024 with an impressive Rs 17 lakh crore surge in assets, driven by buoyant equity markets, robust economic growth, and increasing investor participation. Experts are predicting the positive trend will extend into 2025.
Mutual fund assets surged 23 per cent or over Rs 12 lakh crore year-on-year to reach a record of Rs 65.74 lakh crore in FY25, propelled by robust net inflows and mark-to-market gains amid buoyant equity and debt markets.
If you remember the childhood story of the tortoise and hare, then the systematic investment plan (SIP) is the equivalent of the tortoise in the race to create wealth. SIPs make sure that you continue moving slowly but surely to win the race in money matters.
Equity mutual funds (MFs) capped a strong 2024 with near-record inflows in December. With net inflows of Rs 41,156 crore in December, the 2024 tally surged to Rs 3.9 trillion, up 144 per cent compared to 2023. The December tally, which was only slightly short of the record-high inflows of Rs 41,887 crore achieved in October 2024, was fuelled by record inflows of Rs 9,761 crore into small-cap and mid-cap funds.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Investors having a moderate-risk profile can use these funds in their retirement portfolios.
Amid US-China trade tensions and economic vulnerabilities, India must seize the 'China +1' opportunity, deepen reforms, secure FTAs, and globalise its firms for long-term growth, suggests Ajay Shah.
Gripped with fear as an investor following a 12 per cent market fall? Here's Radhika Gupta's advice to investors.
Regular disciplined savings - the biggest plus of a systematic investment plan.
Knowing these will save you from taking undue risks, losses and also create wealth in the long run, says Dwaipayan Bose.
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.
Inflows into mutual funds' equity schemes increased by over 14 per cent on-month to Rs 41,156 crore in December, even as market volatilities continued. The small and midcap schemes of mutual funds continued to attract investor interest with inflows touching record highs during the month, despite the concerns being expressed about the two segments for the risk they portend, industry body Amfi said.
Should you continue investing in stocks and mutual fund SIPs even as Indian stock markets keep sliding every other day and there is gloom all around?
Do a proper asset allocation and invest through systematic investment plans where one can benefit.
Gold is an excellent asset class for diversification and should be included in all long-term portfolios.
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.
Invest in these funds through the SIP route with at least a seven-year horizon.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
The MF investor count, which stood at around 38 million in April 2023, has surged by 19 per cent in the past year.
Equity mutual funds witnessed a remarkable surge in inflows to nearly Rs 4 lakh crore in 2024, more than double the amount recorded in the preceding year, reflecting strong investor confidence and a continued shift towards long-term investing, particularly through Systematic Investment Plans (SIPs).
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
Do you have financial planning queries? Ask rediffGURU Anil Rego.
While selecting a smallcap scheme, go with one that has a good track record and a stable fund manager.
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals. Ramalingam Kalirajan's step-by-step guide on how to effectively use an SWP.
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
Fuelled by rising disposable incomes and growing awareness about disciplined investing, monthly SIP inflows across the mutual fund industry could scale up to Rs 40,000 crore over the next 18-?24 months, according to Madhu Nair, CEO of Union Asset Management Company (AMC). SIP inflows stood at Rs 25,925 crore in March, although the industry has witnessed a declining trend over the past four months amid heightened market volatility triggered by frequent US tariff changes.
'To be able to sail through such volatilities, it is prudent to focus on quality.'
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
At a time when banks are finding it challenging to mobilise resources, State Bank of India (SBI)-the country's largest lender-has devised a three-pronged strategy to boost deposit accretion. First is an aspirational product that promises to make depositors lakhpatis by helping them grow their deposits to Rs 1 lakh through recurring deposit (RD) schemes.
