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.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
Financial planners say once the market starts moving up, investment decisions are based on greed and not fundamentals.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
'Use this money to build an emergency fund if you do not have one.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
Investors must remember that merely investing through SIPs will not deliver the results.
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.'
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
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
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.
Do a proper asset allocation and invest through systematic investment plans where one can benefit.
'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.'
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
'Historically, equities have consistently outperformed debt, gold, property, and other assets over a reasonable period.'
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.
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.
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.
'For those seeking regular income, these funds provide a steady stream of income through dividends.'
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?
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'A fair bit should be allocated towards fixed income.'
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Unperturbed by election uncertainty, investors poured record sums into equity mutual fund (MF) schemes in May, driving India closer to a $5 trillion market capitalisation. The Rs 34,697 crore net inflows into actively managed equity funds last month surpassed the previous high of Rs 28,463 crore recorded in March 2022. In April 2024, equity schemes had garnered nearly Rs 19,000 crore.
The current spurt in the stock market is on account of strong fundamentals and robust corporate earnings and retail investors can look for buying opportunities to accumulate quality stocks, experts said.
Ramalingam Kalirajan explains the pros and cons of both investment types.
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).
Fraudsters read your mind, weave convincing stories, earn your trust and then vanish with people's savings. Ramalingam Kalirajan reveals five simple tricks that cons use to steal money from you.
Mutual fund investors no longer need to link their PAN with Aadhaar to obtain 'KYC-registered' status.
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