'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
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.
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.
AIFF president Kalyan Chaubey admitted that club football 'is going through crisis' due to the uncertainty over the future of the country's top-tier league ISL and said a collective effort is needed to tide over it.
Investors must remember that merely investing through SIPs will not deliver the results.
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
While selecting a smallcap scheme, go with one that has a good track record and a stable fund manager.
While investing in a low priced micro-SIP may seem like a good idea, one must read the fine print before jumping in.
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.
Financial success isn't about making impulsive moves -- it's about making informed choices, asserts Ramalingam Kalirajan.
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.
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.
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
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.
Out of 3,871 recovery certificates issued by the regulator in various cases, 807 have been certified as difficult to recover.
Let reason, not emotion, guide your decisions.
Do a proper asset allocation and invest through systematic investment plans where one can benefit.
Redemptions from systematic investment plan (SIP) accounts scaled a new high of Rs 14,367 crore in July, indicating investors booked profits following back-to-back months of gains in the market. Volatility triggered by Budget announcements also played on investor sentiment. "July 2024 saw a peak in the Nifty, which may have prompted profit-booking among investors nearing the end of their goal tenure.
'The correction in the markets in the initial part of August provided investors a good buying opportunity.'
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
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.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
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?
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
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
'Use this money to build an emergency fund if you do not have one.'
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
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.'
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
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
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
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