Review your family emergency fund and replenish it if needed. Revisit financial goals to see if there is any change in timeline or the corpus required.
'Exiting during corrections tends to lock in losses. Patient investors have benefited from holding through similar drawdowns in past cycles.'
Inflows into equity mutual fund (MF) schemes declined in May, logging their lowest tally in 13 months at Rs 19,013 crore. It came even as the gross systematic investment plan (SIP) inflows surged to a record high of Rs 26,688 crore.
'The day is not too far when the share of MFs alone will be greater than that of foreign institutional investors.'
Loan against fixed deposit is cheaper and comes with fewer charges.
What is the reason behind this drying up of talent for the top post in private banks?
'Stopping now would defeat the core purpose of an SIP, which is to average out the purchase cost over market cycles.'
The strong domestic flow offset selling by foreign portfolio investors who pulled out $23.3 billion (Rs 2.03 trillion) from domestic equity markets in CY25.
Multi-asset allocation funds (MAAFs) have emerged as strong performers among mutual funds (MFs), rivalling medium-term returns from traditional equity categories while maintaining a lower risk profile. Over the past three years, average returns for this segment have surpassed those of flexicap and largecap funds, for both lump sum and systematic investment plan (SIP) investments.
Investors will be able to authenticate if the entity receiving the payment is a valid entity under the ambit of Sebi.
The systematic withdrawal plan can work for you. But only if you know how to use it to your benefit.
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
Chartered accountants' apex body ICAI will be preparing a research paper to help markets watchdog Sebi in dealing with financial frauds. ICAI president Charanjot Singh Nanda on Saturday said the institute will set up a working group and hold discussions with Sebi to finalise the various aspects that will be looked into with respect to tackling financial fraud.
'We may see this momentum going into 2025 and may keep up with the demand, given the strong pipeline.'
'Stay invested but progressively reduce risk. Beyond a point, the objective should shift from maximising returns to avoiding unpleasant surprises.'
After overtaking foreign portfolio investors (FPIs) in market ownership, domestic institutional investors (DIIs) have further solidified their dominance. DII ownership reached a new all-time high of 17.82 per cent as of June 2025, up from 17.62 per cent at the end of March 2025, according to an analysis by Prime Database.
'...aggressive pricing amid volatility, but these are exceptions.'
Domestic institutional investors (DIIs) poured in Rs 94,829 crore of fresh money into Indian equities in August, the second-highest monthly inflow after record Rs 1.07 trillion influx in October 2024.
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'
ELSS investments require a long-term commitment of at least seven years.
Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1 lakh monthly income in your retirement years. This is the power of compounding -- a strategy that rewards you for starting early and staying consistent with your investments, says Ramalingam Kalirajan.
The United States, which entered this war in expectation of a short, sharp win along the Venezuela model, is now preparing for deeper involvement in a conflict it does not fully control, without the allies it typically relies on, against an adversary that is not behaving as expected, in a global environment that is already absorbing economic shock. Prem Panicker continues his must read daily blog on the Gulf War.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
Systematic investment plan is a scheme which allows investors to invest in a mutual fund a certain amount of money over a period.
'Indian markets may underperform global peers for the next two quarters.' 'But beyond that, India should catch up and resume its long-term growth path.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Promoters' ownership in private listed companies declined to an eight-year low of 40.58 per cent as of June 30, 2025, following a net share sale worth Rs 54,732 crore during the quarter, according to data from primeinfobase.com, an initiative of PRIME Database Group.
Net inflows into equity mutual fund (MF) schemes scaled a record high in July as the market correction and a raft of new fund offerings (NFOs) lifted lump-sum collections. Active equity schemes raked in a net Rs 42,702 crore in July, going past the previous high of Rs 41,156 crore in December 2024. Systematic investment plan (SIP) inflows continued to scale new highs, rising over 4 per cent month-on-month (M-o-M) to Rs 28,464 crore.
Index funds and exchange-traded funds (ETFs) have added a record number of investment accounts in 2024, buoyed by the sectoral and thematic investing euphoria that has spilled into the passive space.
Market watchers link the pullback to underwhelming listing-day performance and the lack of big-name IPOs.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
A retired banker in Delhi lost his entire life savings, amounting to Rs 23 crore, to cyber fraudsters who posed as ED and CBI officers. The victim was kept under 'digital arrest' for over a month and forced to transfer funds under duress.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Lord Ganesha's teachings offer valuable insights for investors in the Indian stock market. By thinking big, working consistently, starting early, and approaching investing with a rational mindset, investors can increase their chances of achieving their financial goals.
: Build lasting wealth via disciplined, long-term mutual fund investing in India's compounding marathon, Shanaihi, Shanaihi, says Ramalingam Kalirajan
The systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
Dwaipayan Bose explains what momentum investing is, how it works, why it generates higher returns and has higher wealth creation potential.
The fear of losing purchasing power due to inflation and low-interest rates has led many to explore safe alternatives to fixed deposits with high returns
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
