'First-time investors, busy professionals, NRIs and those with modest sums looking for curated strategies may find FoFs especially appealing.'
MFs offer scale, simplicity, liquidity, and tax efficiency, and are an excellent vehicle for disciplined SIP investing. PMS is better suited for larger portfolios with equity allocation of Rs 3 crore to Rs 5 crore.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
Since MAAFs invest across multiple asset classes, they offer diversification.
Market regulator Sebi on Thursday said that timelines for portfolio rebalancing in mutual fund schemes will now be applicable to all types of passive breaches across actively managed schemes, which was earlier limited to only asset allocation. A passive breach refers to unintended deviations from the mandated asset allocation or regulatory limits that do not arise from the direct actions or omissions of asset management companies (AMCs).
SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Investors should avoid making drastic changes to their asset allocation during a market correction.
The Securities and Exchange Board of India (Sebi) on Monday proposed relaxations for asset management companies (AMCs) to serve pooled non-broad-based funds, giving an opportunity to fund houses to expand their business.
The net inflow into equity mutual funds surged 24 per cent to Rs 23,587 crore in June, reversing the declining trend of the last five months, driven by strong equity market performance across segments, data released by the Association of Mutual Funds in India (AMFI) showed on Wednesday. Also, the latest fund infusion by investors marks the 52nd consecutive month of net inflows into the segment.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Investors should continue with their SIPs, especially during market corrections.' 'For those looking to start new SIPs, beginning with large-cap funds is a prudent strategy, followed by flexi-cap and value-oriented approaches.'
'While investors believe in India's long-term growth story and resilience amid global uncertainty, they see near-term risks around the direction of a global trade war.'
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Now asset allocation may sound like a complicated concept, but isn't. As the word suggests, it means distributing your money across various investment avenues or assets so that the poor performance of any one avenue/asset does not jeopardise the entire investment plan. As logical as that sounds, it is one of the rarest traits in a financial plan, but more on that later.
Dr Ganesh Natarajan, a special guest on rediffGURUS, has been addressing questions from Rediff readers, about how to grow professionally, how women can achieve leadership roles in Indian companies, and what it takes to succeed as an entrepreneur.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
'Retail investors have to stick to their asset allocation plans and continuously do portfolio reviews.'
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'
Dr Sanjiv Mehta draws some interesting parallels between cricket and financial planning to help readers save money and create wealth.
Global funds have pulled out Rs 1.54 trillion from domestic stocks in fiscal 2024 - 25 (FY25), the highest-ever outflow recorded so far, according to the data compiled by Business Standard. The last time the global funds exited Indian shores in droves was back in 2022, when they sold a net Rs 1.41 in the backdrop of Covid-19.
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.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Here's a formula that helps you understand how much money you will need to retire early in India and simple steps to achieve it.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
Apart from the emotional value attached to buying gold, the yellow metal offers protection against inflation, interest rate spikes, currency and geopolitical risks, says Anamika Pareek.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
The recent global fund flow data suggests that one big cycle of foreign fund allocation into India may have come to an end and the trend could remain soft for a longer time, according to a report by Elara Capital. The note said last week's outflow of $302 million from India's dedicated funds is the largest since June 2022.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
Gripped with fear as an investor following a 12 per cent market fall? Here's Radhika Gupta's advice to investors.
'Asset allocation should be driven much more by long-term factors rather than the market scenario at any particular point in time.'
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