Systematic investment plans (SIPs) of mutual funds (MFs) have seen a spike in demand with new registrations touching a five-year high already this year. Around 19.5 million new SIPs have been registered till December end, as against 14.1 million in the whole of financial year 2020-21 (FY21). Market participants say increasing investor awareness and positive experiences have spurred this increase.
Consumption is among the most diversified and sought-after themes in Indian equities. Over the past five years, consumption theme funds have given an annualised category average return of 15.17 per cent, according to the data from Value Research. But this theme has been affected by the Covid-19 pandemic, which impacted jobs and livelihood.
'Debt mutual funds are a good option now because interest rates are coming down.' 'Retail investors must put a majority portion of your money in short-term debt funds (1 to 3 years) and only a small portion in actively managed dynamic funds.'
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Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
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Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
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India's mutual fund (MF) industry had barely any retail footprint when it completed 50 years in 2013. MFs had Rs 7 trillion in assets under management (AUM) in March 2013, of which around Rs 5 trillion was in institution-focused debt funds. By comparison, bank deposits in the country stood at Rs 67.5 trillion around the same time.
The spike in volatility may not have impacted equity inflows, but it has weighed on new investors coming via the systematic investment plan (SIP) route. In May, 1.97 million new SIPs got registered - nearly 15 per cent lower than the previous five-month average of 2.3 million - reveals the data provided by the Association of Mutual Funds in India. Since June 2021, new SIP registrations have been upwards of 2 million each calendar month. The new SIP tally in May was the lowest in 12 months.
One can equate SIPs to the recurring deposit.
Now STPs or variable SIPs can earn better returns than vanilla SIPs.
Such schemes try to exploit an anomaly in taxation, but aren't in violation of laws, experts say.
If you are buying a bond to cater to your regular income needs, check the interest distribution schedule.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
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Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
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Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
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'Although mid- and small-cap funds have the potential for higher growth, they come with inherent higher volatility.'
Tax-saving equity-linked savings schemes saw month-on-month rise in inflows at Rs 1,166 crores.
Monthly systematic investment plan (SIP) flows into India have held steady above Rs 13,000 crore in 2022-23 (FY23) in the face of markets delivering muted returns in 18 months. However, it is not a rose-tinted view when it comes to viewing new SIP registrations and the cessation of existing ones. The ratio of SIPs stopped as a percentage of fresh SIPs registered (called SIP stoppage or closure ratio in industry parlance) stood at 56 per cent in the first 11 months of FY23, compared with 41 per cent during the same period of 2021-22 (FY22).
The systematic withdrawal plan can work for you. But only if you know how to use it to your benefit.
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Over 85 per cent of SIP AUM, or Rs 5.8 trillion, is in equity schemes, compared to just Rs 6,100 crore in debt.
'Continue with your SIPs to get the benefit of lower average prices in this challenging market environment.'
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Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Mutual fund expert T srikanth Bhagavat told Get Ahead readers about what to do with their SIP investments in mutual funds, now that the stock markets are once again at their peak.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
In addition to interest rates, review the fine print for penalties and repayment terms, and select a reputable lender to avoid harsh recovery practices.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
FMPs are basically debt-based products, which come with a pre-specified tenure.
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