If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
Multi-asset allocation funds emerged as the most popular option for MFs as they provided the needed flexibility.
A more methodical and balanced approach to all asset classes depending upon individual risk appetite is among the best way to create long term wealth.
'Consider 40% to 50% in equities, 10% in gold as a hedge, and the remaining 30% to 40% split between multi-asset funds and hybrid funds.'
Alternative investment funds (AIFs) have crossed Rs 5 trillion in terms of funds raised, while the investment commitments have surpassed Rs 12 trillion for the first time as of September, according to data released by the Securities and Exchange Board of India (Sebi).
Ask rediffGURU and PF and MF expert Janak Patel 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.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
After a stellar 2023, the mutual fund industry sustained its growth momentum in 2024 with an impressive Rs 17 lakh crore surge in assets, driven by buoyant equity markets, robust economic growth, and increasing investor participation. Experts are predicting the positive trend will extend into 2025.
Dwaipayan Bose simplifies the whys and hows of revisiting your financial goals
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries
Investors should match their investment horizon with the fund's portfolio duration.
If you already hold significant amounts of equity in your portfolio, avoid MAAFs with over 60 per cent equity. But if you lack equity exposure, an aggressive MAAF may be appropriate.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
In a falling market, the value of your investment keeps going down. However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
'Investors should consider small and midcaps only if they can handle volatility and have a longer investment horizon.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries.
The Rs 84,000 crore domestic fund of funds (FoFs) space, which was in the doldrums over the past 18 months, has now caught the attention of investors due to a change in the tax structure in Budget 2024. The broader category, which includes offerings across equity, debt and commodities, has seen a spike in the inflows over the past two months. FoFs typically deploy the pooled capital in one or multiple MF schemes rather than investing directly into equities, debt or commodities.
Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks. Ramalingam Kalirajan explains how
From how to open an NPS Vatsalya account to knowing how this scheme compares to investing in mutual fund or in provident fund, Ramalingam Kalirajan offers a 360-degree view and the pros and cons of investing in a scheme that has the potential to secure your child's financial well-being.
Thanks to a booming market, India now has more than 300 family offices, up from 45 in 2018, according to a PwC report. The number is expected to grow rapidly, with promoters establishing more businesses in Tier-II and Tier-III cities. Family businesses play a crucial role in India's booming economy, spanning manufacturing, retail, real estate, healthcare, and finance.
'If their allocation to certain segments have become high due to strong returns over the past three-four years, they should rebalance their portfolios and bring them in line with their long-term asset allocation.'
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
Largecap, flexicap, and balanced advantage funds together recorded a net inflow of Rs 9,363 crore in August, representing a 70% increase from the previous month's total.
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
Data from Amfi shows that NAV of every one in two BAFs declined 1.5% or less on Monday compared to a 3.13% decline in Nifty 500.
'Despite the current uncertainties, the long-term outlook remains constructive due to strong fundamentals, government initiatives, and a stable banking sector.'
'By investing in a basket of funds, FoFs can help minimise the impact of underperforming funds, thus reducing overall investment risk.'
Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
Balanced advantage funds have the potential to earn superior risk-adjusted returns for the investor and offer a smoother investment journey.
Younger people, who usually have a longer investment horizon which allows them to handle the interim volatility, may go for them.
'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts and mistakenly use family accounts or invest in a relative's name.' 'Many are unaware of tax implications.'
Commodity investments can help you diversify your portfolio in asset classes other than equity and debt, says Dwaipayan Bose.
What should investors do when markets hit an all-time high, and we have seen five new all-time highs in 2023? Dwaipayan Bose has some answers.
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
As a prudent investor who wants to create a portfolio that will help you achieve your investment objective in a time-bound manner, Suren Kochhar explains what you should know.
'Investors should do proper analysis before putting in their money in NFOs as most new launches are in the high-risk thematic space.'
If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.
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