'New investors should enter gradually and stay cautious.' 'Silver is a structural multi-year story, but timing matters in a high-volatility metal.'
Every investor loves a bull market - that feeling of watching portfolios rise and headlines being filled with record highs is gratifying. Yet, wealth creation in the stock market is not just a matter of market rallies. Some of the most successful investors make their fortunes in periods of slow or even negative market momentum. The secret is mindset, strategy, and disciplined investing, not chasing short-term rallies.
The competitive intensity in the mutual fund (MF) industry is moving beyond scheme performance, cost structures, and distribution. In recent months, several fund houses have rationalised exit loads applicable on redemptions.
When it comes to multibagger stocks, patience trumps market timing. Investors who stay invested in fundamentally strong stocks build wealth in the long term, and investors who wait for perfect entry points usually end up confused, late, or out of the market. Here, we will explore the role of patience in multibagger stock investments.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
The systematic withdrawal plan can work for you. But only if you know how to use it to your benefit.
Amid US-China trade tensions and economic vulnerabilities, India must seize the 'China +1' opportunity, deepen reforms, secure FTAs, and globalise its firms for long-term growth, suggests Ajay Shah.
As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends, points out Tamal Bandyopadhyay.
Investors will be able to authenticate if the entity receiving the payment is a valid entity under the ambit of Sebi.
Investors having a moderate-risk profile can use these funds in their retirement portfolios.
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.
'I noticed a nine-year-old child hugging another child every few minutes.' 'The two were sisters and were playing in their village when an armed gang attacked their village and set fire to it.' 'They hid together, only to witness their mother and father being killed.' 'Now, the older child is constantly comforting the younger one.'
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Returns in Systematic Transfer Plan are consistent as money invested in debt mutual fund schemes earns interest till the time the whole amount is fully transferred to equity fund, says Vishwajeet Parashar, Sr VP and Group Head -- Marketing, Bajaj Capital
These schemes are a good choice for investors contemplating a large investment in equity funds. Instead of investing all the money in one go, they can do so in a staggered manner by parking it in these schemes and then transferring it to equity mutual funds through a systematic transfer plan.
If you redeem your investments when prices have fallen sharply, you will be selling at low prices and may make a permanent loss. On the other hand, if you remain patient and remain invested, you give your investment the time to recover, says Dwaipayan Bose
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
Current stock market volatility is making investors wary. There is no clear direction as to how markets will pan out over the next couple of months. In such times, a staggered approach to investing can be a good option.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
Any industrial policy is only as good as how it is applied and the other reforms that support it. This was as true 40 years ago as it is now, points out Debashis Basu.
rediffGURU Ulhas Joshi answers your mutual fund queries.
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
STPs help you to move money from one scheme to another within the same fund
Do you have financial planning or income tax queries? Ask rediffGURU Anil Rego.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
New investors should gradually build a 5 to 10 per cent allocation to gold.
'Use this money to build an emergency fund if you do not have one.'
In January, SIP account closures surpassed new registrations for the first time.
Fraudsters read your mind, weave convincing stories, earn your trust and then vanish with people's savings. Ramalingam Kalirajan reveals five simple tricks that cons use to steal money from you.
Regardless of market levels, invest in stocks and equity mutual funds in a staggered manner.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
An allocation to ESG theme funds can bring down the overall risk of an equity portfolio. Investors with long-term financial goals, such as retirement, should not ignore sustainable investing.
Artificial Intelligence, innovation and next-generation technologies figured prominently during the high-stakes discussion between Prime Minister Narendra Modi and US President Donald Trump at the White House, as the two sides announced transformative measures, including the US-India TRUST initiative, roadmap on accelerating AI infrastructure and INDUS Innovation, to boost tech ties.
Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals. Ramalingam Kalirajan's step-by-step guide on how to effectively use an SWP.
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.
Mutual fund (MF) houses have started realigning their overseas product offerings after the Securities and Exchange Board of India (Sebi) advised them to stop subscriptions. PPFAS Asset Management has decided to suspend transactions in Parag Parikh Flexi Cap Fund with effect from February 2, 2022. Though new lump-sum and systematic investment plans (SIPs) will not be accepted, existing SIPs and systematic transfer plans (STPs) will continue.
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.
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