Are value averaging investments plans better than systematic investment plans? Do they have any downsides? Here are the answers.
'To be able to sail through such volatilities, it is prudent to focus on quality.'
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Have you ever wondered why some people seem to achieve extraordinary wealth while others struggle to make their money work for them? The secret isn't luck -- it's strategy, says Ramalingam Kalirajan
Value averaging investment plan (VIP) is a powerful investment concept which provides considerable safety from the market volatility, discipline and reasonable guarantee of returns.
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.
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
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These commandments when strictly followed can make you a successful investor; make you richer.
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Among the 11 equity sub-categories, thematic funds received the highest net inflows at Rs 9,017 crore, followed by smallcap funds at Rs 5,721 crore and flexicap funds at Rs 5,698 crore.
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Gold is an excellent asset class for diversification and should be included in all long-term portfolios.
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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.
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.
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.
Get Ahead wealth management expert Sanjiv Mehta tells you how to create an ideal investment portfolio.
Financial success isn't about making impulsive moves -- it's about making informed choices, asserts Ramalingam Kalirajan.
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
The number of active SIP accounts is nearing the 100 million milestone.
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
Let's explore three different ways to reach the Rs 100-crore mark, each taking advantage of the power of compounding, consistent investing, and some smart planning
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."
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
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.
Let reason, not emotion, guide your decisions.
In a chat with get Ahead on August 31, financial planning expert Vetapalem Sridhar tells young readers about how to go about investing and creating wealth for themselves in the long term.
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.
While selecting a smallcap scheme, go with one that has a good track record and a stable fund manager.
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.
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.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
Financial planners say once the market starts moving up, investment decisions are based on greed and not fundamentals.
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