Value averaging investment plan (VIP) is a powerful investment concept which provides considerable safety from the market volatility, discipline and reasonable guarantee of returns.
'Understand how wedding expenses fit into your overall financial situation.' 'Evaluate how different levels of spending will impact other goals like retirement, travel, or housing.'
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
These commandments when strictly followed can make you a successful investor; make you richer.
In January, SIP account closures surpassed new registrations for the first time.
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Retirement planning and secondary sources of income have become key financial priorities for Indians, as they look to prepare for higher inflation, health concerns, and economic slowdown risks. PGIM India Mutual Fund's Retirement Readiness Survey shows that at present 67 per cent Indians have their retirement plan in place, compared to 49 per cent in 2020. "The pandemic was probably the factor making people realise the importance of saving and investing, leading to an increase in people planning for it.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
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.
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.
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.
Get Ahead wealth management expert Sanjiv Mehta tells you how to create an ideal investment portfolio.
'This is an area where good lending can happen, and that is one of the priorities for the next quarter.'
Gripped with fear as an investor following a 12 per cent market fall? Here's Radhika Gupta's advice to investors.
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."
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.
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
Systematic investment plans of top mutual funds that you can invest your money for better returns.
Invest in these funds through the SIP route with at least a seven-year horizon.
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.
Systematic investment plans not only generate good returns by tiding over short-term volatility, they can also be a good tax-saving instrument.
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.
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).
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.
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Financial planners say once the market starts moving up, investment decisions are based on greed and not fundamentals.
'Give him a couple of seasons, a cool head, and some long-term form, and he won't just be in campaigns -- he'll be the campaign.'
Gold is an excellent asset class for diversification and should be included in all long-term portfolios.
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Investors must remember that merely investing through SIPs will not deliver the results.
The MF investor count, which stood at around 38 million in April 2023, has surged by 19 per cent in the past year.
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
'To be able to sail through such volatilities, it is prudent to focus on quality.'
DIIs owned equities worth Rs 73.5 trillion, just 1.9 per cent less than FPIs. This marks a significant change from a decade ago.
