Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
Financial success isn't about making impulsive moves -- it's about making informed choices, asserts Ramalingam Kalirajan.
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.'
Let reason, not emotion, guide your decisions.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
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.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
'A fair bit should be allocated towards fixed income.'
Value cost averaging helps your investments generate better returns as compared to a SIP method.
'Historically, equities have consistently outperformed debt, gold, property, and other assets over a reasonable period.'
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.
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
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.
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
In April, the SIP contribution was Rs 11,863 crore.
Monitor how long the high cash position lasts. If it lasts for a month or two, it is fine. But if it continues for a couple of quarters, seek your advisor's opinion on whether to exit the fund.
New investors should gradually build a 5 to 10 per cent allocation to gold.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
'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.'
'For those seeking regular income, these funds provide a steady stream of income through dividends.'
One common mistake investors commit during profit booking is not having a plan for the redeployment of the money that comes into their account.
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.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
SIP top-ups are especially beneficial for young investors, who may start with a small SIP installment and grow it over their working careers, says Dwaipayan Bose.
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).
'Investing in a factor-based fund can be beneficial provided you have chosen the right factor.'
This was also the 10th consecutive monthly net inflow, data with Association of Mutual Funds in India (Amfi) showed on Monday. In comparison, equity mutual funds logged net inflow to the tune of Rs 11,615 crore in November, Rs 5,215 crore in October, Rs 8,677 crore in September and Rs 8,666 crore in August.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
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.
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.
Ramalingam Kalirajan explains the pros and cons of both investment types.
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
Mutual fund investors no longer need to link their PAN with Aadhaar to obtain 'KYC-registered' status.
A retirement fund can be helpful for all age groups, but ideally one should start investing early to beat market swings and gain from compounding.
