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.
In January, SIP account closures surpassed new registrations for the first time.
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Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
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.
'Liquid ETFs help in cash management by enabling a smooth transition between equity and cash within the same settlement cycle, as they trade in the same segment as equity.'
Begin by creating a household budget. Involve all family members in the exercise and cut costs wherever possible.
Do not, however, enter expecting quick returns.
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.
Staggered pull-out will help investors if the market continues to rise.
rediffGURU Hemant Bokil answers your personal finance queries
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
Many retail investors, who are experiencing their first bear market, are shocked at the erosion in the value of their mutual fund (MF) portfolios. The pain is especially acute for those who had taken excessive exposure to sector/thematic and small-cap funds. Even international diversification has failed to stanch the bleed in this downturn.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Given gains in equity prices, it is not surprising that the earnings of asset management companies (AMCs) are growing quicker. The earnings momentum looks set to continue. Good fund performances have thus led to AMC earnings upgrades although valuations are high. Recent market performance and net flow trends have led to earnings upgrades by between 3-8 per cent for FY25-27.
Why should I invest in mutual funds? Why cannot I invest in equities directly? Here are 7 simple reasons
The Pay Commission's award will provide a windfall that can be used to both spend and invest wisely.
Apart from SIPS and STPS, value- averaging can help investors make more money, says Devangshu Datta.
A bench headed by Justice Ashok Bhushan and comprising justices R S Reddy and M R Shah said that voluntary contribution can always be made to the NDRF as there is no statutory bar under the Disaster Management Act.
With this, total inflows have reached Rs 3.98 lakh crore in the first 11 months of the current fiscal (2016-17). In comparison, Rs 2.07 lakh crore was invested in various mutual fund products during April-February period of 2015-16.
Investors have pumped in nearly Rs 54,000 crore into various mutual fund schemes in January, with liquid, income and equity funds attracting the most of the inflows.
The Centre plans to repeal the existing 80-year old Coffee Act and has proposed a new "Coffee (Promotion and Development Bill), 2022" to promote development of the Indian coffee industry. Through a new law, the government aims to modernise the functioning of the Coffee Board of India that is responsible for boosting production and the quality of Indian coffee, push exports and support the development of the domestic market. The Bill is likely to be introduced in the ongoing session of the Parliament.
Now STPs or variable SIPs can earn better returns than vanilla SIPs.
Bundled products often come with restrictions. The customer also gets locked into two products at the same time. This reduces flexibility.
'We would advise investors to invest in a disciplined way in equities for the long term.'
After the rationalisation and categorisation of mutual fund schemes undertaken by the Sebi in October 2017, overnight funds have emerged as a distinct category.
Experts say the size of the fund shouldn't be a primary criterion for selection.
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
It is important to celebrate when your first paycheck arrives, but is equally important to ensure that you take the time to learn some very important personal finance lessons, so that you can put your salary to work for you and grow a savings corpus.
Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
Knowing these will save you from taking undue risks, losses and also create wealth in the long run, says Dwaipayan Bose.
The fund house says it is doing this to protect the interests of existing investors.
A budget is nothing but a tool to keep your spending under control and ensure that the monthly expenses are lower than your monthly income. Here are some tips on how you can make your budget work
Leading up to the International Women's Day on March 8, this is the first of a four-part series that talks about how women can invest to achieve their long-term financial goals.
The good news is investors can make 5 to 6 switches during a year among funds depending on the insurance companies without incurring any costs.
For rest of the year, the issue is largely going to be the balance between growth rates and macro stability versus interest rates, says Sankaran Naren.
Investors not stop their SIPs or STPs due to election-related uncertainty.
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
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