Real wealth isn't built on random bets; it's built on disciplined, guided portfolio strategies that can withstand market ups and downs, says Ramalingam Kalirajan.
rediffGURU Vivek Lala answers your income tax and personal finance queries.
While selecting a smallcap scheme, go with one that has a good track record and a stable fund manager.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Investors may take a 5 to 10 per cent exposure to silver. 'Have a long-term investment horizon when investing in silver ETFs to ride out short-term market fluctuations.'
The reduction in goods & services tax (GST) on individual life and health insurance premiums has been called a "landmark step" for making insurance affordable and inclusive. In a panel discussion at the Business Standard BFSI Insight Summit 2025, Anup Bagchi, managing director (MD) & chief executive officer (CEO) of ICICI Prudential Life Insurance; Mahesh Balasubramanian, MD & CEO of Kotak Life Insurance; Tarun Chugh, MD & CEO of Bajaj Life Insurance; and Ratnakar Patnaik, MD of Life Insurance Corporation of India (LIC), listed what else the industry needs to reach more people.
The average ticket size for a systematic investment plan (SIP) is edging up, even as the pace of new account openings remains strong. SIP ticket sizes had been shrinking in recent years, as mutual fund (MF) penetration grew. However, the average ticket size has started to climb again after a steep drop in the post-pandemic period, as the industry has doubled its investor base in the past four years.
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
'The incentives to switch to the new tax regime... are viewed as a negative due to potential loss of customers who buy policies for saving tax.' 'The tax-saving value proposition for the sector reduces.'
Most think tax-saving deductions exist only in the old regime. But the New one quietly retains 40+ ways to ease your tax load
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Equity mutual funds witnessed an inflow of Rs 35,943 crore in November, marking a drop of 14 per cent on a month-on-month basis, amid heightened volatility in stock markets driven by various macroeconomic factors, geopolitical events and US election results. Despite this, it marked the 45th consecutive month of net inflows into equity-oriented funds, reflecting the growing popularity of mutual funds among investors, according to data from the Association of Mutual Funds in India (AMFI) released on Tuesday.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
Well known investment advisor Ajit Dayal offered some valuable investment tips during a chat on rediff.com on Tuesday.
In January, SIP account closures surpassed new registrations for the first time.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
'Investing in a factor-based fund can be beneficial provided you have chosen the right factor.'
Do not, however, enter expecting quick returns.
Anamika Pareek explains the advantages of investing in tax-saving options like the equity-linked savings schemes.
The self-employed should invest in the National Pension System, a government-backed, low-cost retirement avenue where they can choose the mix of debt and equity that is right for them.
New investor additions by mutual funds (MFs) have slowed dramatically in recent months, indicating that market correction and a rise in volatility are somewhat dimming the appeal of equity schemes. MFs have onboarded 300,000 new investors in April 2025, the lowest in 22 months.
'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.'
Your choice between the Old and New Tax Regimes should reflect your financial strategy and investment goals, says Ramalingam Kalirajan
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Inflows into equity mutual fund (MF) schemes declined for the third month in a row in March even though the equity market recovered sharply. Equity MF schemes raked in a net Rs 25,082 crore in March, down 14 per cent from February.
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
Follow these simple steps if you want to create a solid retirement corpus and retire young, says Anamika Pareek.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries
Market watchers link the pullback to underwhelming listing-day performance and the lack of big-name IPOs.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Investment guru and mutual fund expert Ashok Kumar, answers all your MF related queries.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
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