RIS Steady Life Cycle begins with an equity allocation of 35 per cent at age 60, which gradually reduces. Between ages 75 and 85, it remains constant at 10 per cent.
Indian liquor brands are increasingly focusing on Hindi heartland states like Uttar Pradesh, Rajasthan, and Haryana as the next major growth engine for premiumisation, driven by expanding luxury portfolios, craft spirit launches, and upgraded retail experiences, as state governments embrace reforms.
Earlier, most investors counted on traditional options like fixed deposits, gold, or property. But in 2026, you will have access to a much wider range of opportunities across different markets and sectors.
Lenders are actively monitoring gold price volatility, prompting them to ask borrowers for additional gold collateral or partial principal repayment when loan-to-value (LTV) thresholds are breached, particularly for loans disbursed in February.
'Every year we import approximately $70 billion worth of gold -- closer to $72 billion in 2025-2026, an all-time record.' 'There is no parallel for this anywhere in the world. And this love for gold will not disappear overnight.'
A systematic withdrawal plan doesn't drain wealth, poor planning does. Ramalingam Kalirajan explains the truth behind systematic withdrawal plans
'Once the currency goes out of the hand, then possibly your major challenge is that it will not come back.'
'Except for extremely conservative investors, others can consider allocating 10 to 20 per cent of their portfolio to small caps.'
Is the parabolic rise in silver running out of steam or just getting started? Ramalingam Kalirajan offers his take on if you should invest in silver now?
From a modest salary to Rs 1 crore, here's Ramalingam Kalirajan's smart compounding blueprint for young earners
Fund managers advise conservative investors to cap midcap exposure at 10 to 15 per cent of their equity portfolio.
'The next two to three weeks will not be decided in Washington.' 'They will be decided in Tehran, in whatever calculation Iran makes about the costs of continued resistance against the costs of appearing to have yielded.'
Largecap equities are less volatile than mid- and smallcap stocks, making them suitable for risk-averse investors.
Usually, in the western view, corporate success is attributed to efficiency, organisational structure, and scale. R Gopalakrishnan and Harish Bhat argue that philosophy, culture, and the transmission of values are more important for sustaining growth and profitability of an enterprise over a period of time.
'Bank has a robust capital adequacy base. Along with balance sheet preparation, the bank is focusing on strengthening risk management for the new regime.'
Indian information technology (IT) services companies reported lacklustre growth in the second quarter, at a time when the macroeconomic environment did not deteriorate further. HCLTech emerged the best performer among India's top six IT services firms with a constant-currency growth rate of 4.6 per cent, even though uncertainties continued to persist.
Canadian firm Manulife and Mahindra & Mahindra (M&M), an Indian automaker with interests in financial services, have signed an agreement to form a 50:50 life insurance joint venture (JV) with a total capital commitment of up to Rs 3,600 crore each totalling Rs 7,200 crore.
When the market is down, you can buy more units, which offers you the rupee cost averaging. But the question here is, with so many options available in the market, which one should you choose? Keep reading to get the answer.
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
'Long-short SIFs are designed for seasoned, high-risk, high-reward investors, who understand market volatility.'
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Conservative investors seeking equity-like tax benefits with low risk may go for them.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
The Supreme Court judges' filings revealed a generally conservative financial ethos, emphasising stability and long-term savings.
Despite recent underperformance, MNC funds have delivered over longer time frames.
'While investing in a silver ETF, one should be aware that it has historically exhibited higher price volatility than gold.'
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
Saurav Ghosh's step-by-step guide will help you understand what bonds are, how they help investors make money, how much money they make and which bonds to invest in.
FOMO-driven investing is reshaping India's stock market. Swati Saxena explains how social media hype fuels risky bets and how to protect your wealth.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Why try to time the market when time in the market works better? History shows that patient investors who stay the course often walk away with the real rewards, says Ramalingam Kalirajan.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
rediffGURU Vivek Lala answers your income tax and personal finance queries.
After a recent fall in profit, Masayoshi Son of SoftBank announced that the Japanese tech investor will look at dramatic cost-cutting. Before he does that, investments in India for calendar year 2022 (CY22) will fall radically, observed sources in the know. Last year, the company had invested around $3.2-3.5 billion in the Indian start-up ecosystem - almost 10 per cent of the total investment the sector received. For CY22, the investments may not even touch $1 billion.
'My life has been quite difficult. I felt I could see it in words. I thought if everyone else can write, then I can too.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
If investing in Bitcoin, adopt a three to five-year horizon and invest systematically to gain from its volatility.
