Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
Do you have financial planning queries? Ask rediffGURU Anil Rego.
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
The secret to building Rs 5 crore corpus lies in one simple decision. But the longer you wait, the more it costs you -- not just in money but in missed opportunities, says Ramalingam Kalirajan
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.
Financial planners say once the market starts moving up, investment decisions are based on greed and not fundamentals.
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.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
Investors must remember that merely investing through SIPs will not deliver the results.
India's thriving mutual fund (MF) industry is drawing interest from several firms, with multiple applications submitted to the Securities and Exchange Board of India (Sebi) for asset management company (AMC) licences.
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
'Use this money to build an emergency fund if you do not have one.'
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.
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
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
Investors may take a 5 to 10 per cent exposure to silver. 'Have a long-term investment horizon when investing in silver ETFs to ride out short-term market fluctuations.'
Do a proper asset allocation and invest through systematic investment plans where one can benefit.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
New investors should gradually build a 5 to 10 per cent allocation to gold.
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
Knowing these will save you from taking undue risks, losses and also create wealth in the long run, says Dwaipayan Bose.
Regular disciplined savings - the biggest plus of a systematic investment plan.
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?
'Historically, equities have consistently outperformed debt, gold, property, and other assets over a reasonable period.'
'More investors now view the stock market as a valuable opportunity, though many still seek quick gains, leading to a rise in futures and options trading.'
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
'A fair bit should be allocated towards fixed income.'
'For those seeking regular income, these funds provide a steady stream of income through dividends.'
The mutual fund industry's QAAUM (Quarterly Average Assets Under Management) was up 37 per cent year-on-year (Y-o-Y) (9 per cent Q-o-Q) to hit Rs 59 trillion (end Q1FY25). The equity segment grew 55 per cent Y-o-Y and equity formed 56 per cent of total AUM, up 49 per cent in Q1FY24. Sequentially, AUM grew by Rs 5 trillion.
Equity mutual funds witnessed an inflow of Rs 35,943 crore in November, marking a drop of 14 per cent on a month-on-month basis, amid heightened volatility in stock markets driven by various macroeconomic factors, geopolitical events and US election results. Despite this, it marked the 45th consecutive month of net inflows into equity-oriented funds, reflecting the growing popularity of mutual funds among investors, according to data from the Association of Mutual Funds in India (AMFI) released on Tuesday.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
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