Invest in these funds through the SIP route with at least a seven-year horizon.
Do not keep a large portion of your long-term portfolio in FDs.
Allocation to bank deposits -- fixed deposits, savings account deposits, and current account deposits -- came down.
The rising market poses a dilemma for investors on whether to continue buying, reduce equity holding, or exit equities altogether.
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
'You should always maintain an allocation to gold as it has the ability to counterbalance any correction in the equity market.'
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
Dwaipayan Bose simplifies the whys and hows of revisiting your financial goals
'This is also a time when you realise that short-term trading and dabbling in derivatives may result in financial losses.'
Goldman Sachs expects gold to reach $3,150 per ounce in the international market by December 2025, up around 19.1 per cent from its current level of $2,645, according to a recent report in Business Standard. Domestically, gold is trading at Rs 76,018 per 10 grams after delivering a remarkable 21.9 per cent return in the past year.
'Like every Budget, this time, too, there is chatter around tinkering with the long-term capital gains tax.' 'Investors may not want to jump into the markets until there is clarity on this front.'
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
Pawar said, "I will meet PM Narendra Modi on July 18. During the meeting, I will take up various issues related to farmers with him. (NCP leader) Praful Patel and I will attend the National Democratic Alliance (NDA) meeting."
Debt funds typically held 0-5 per cent of their portfolio in cash and cash equivalents before this Sebi diktat.
Kumaraswamy also ruled out any differences among JD-S MLAs over cabinet berths and allocation of portfolios.
India's stock markets corrected recently but foreign money is likely to chase China rather than India in the short-to-medium term, said Chris Wood, global head of equity strategy at Jefferies, on Thursday. Wood told the Business Standard Manthan Summit in New Delhi he is bullish about Indian equities from a long-term perspective, but for the short term he is cautious given the quantum of foreign investor (FII) outflows and valuation woes.
Multi-asset allocation funds emerged as the most popular option for MFs as they provided the needed flexibility.
Let reason, not emotion, guide your decisions.
'Ajit Pawar is trying to sideline us; he is trying to be in the BJP's good books at our cost.'
From the 30-share Sensex pack, Tata Consultancy Services, Infosys, NTPC, HCL Technologies, Axis Bank, Tech Mahindra, Bajaj Finserv, Sun Pharma, IndusInd Bank and Reliance Industries were the major laggards. Tata Steel, Hindustan Unilever, Mahindra & Mahindra, Nestle and State Bank of India were among the gainers.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
'It's advisable not to go overboard on a banking sector fund or any other sector fund.'
Here's how to get high returns from equities...
Differences between the Shiv Sena and the Bharatiya Janata Party over portfolio allocation blew over on Wednesday with Anant Geete deciding to take charge as heavy industries minister after party chief Uddhav Thackeray held "satisfactory" talks with Prime Minister Narendra Modi over the matter.
Investors should allocate 10 to 15 per cent in their portfolios to gold through sovereign gold bonds.
Maharashtra Chief Minister Devendra Fadnavis on Thursday said the names of the probable ministers from the Bharatiya Janata Party in his cabinet have been shortlisted and the final decision will be taken by the party's central leadership.
Foreign investors have pulled out Rs 26,533 crore from the Indian equity market this month so far owing to increasing allocations to China, concerns over muted corporate earnings and elevated valuation of domestic stocks. While the sell-off continues, the quantum of net outflows has significantly reduced compared to October, when Foreign Portfolio Investors (FPI) withdrew Rs 94,017 crore ($11.2 billion) on a net basis.
'It pains me when Marathi film-makers come to me and say that Marathi cinema is not getting the right platform.'
Tamil Nadu Chief Minister M K Stalin's Cabinet, including him, would be 34-member strong and he has retained senior leaders like Duraimurugan and over a dozen shall be ministers for the first time.
Alternative investment funds (AIFs) - investment vehicles favoured by the affluent - have topped $50 billion (Rs 4.3 trillion) in total investments for the first time during the April-June quarter, according to the latest data from the Securities and Exchange Board of India. The industry's commitments have approached Rs 12 trillion ($140 billion), marking a 40 per cent increase over the past year. The amount raised and deployed stood at Rs 4.74 trillion ($56 billion) and Rs 4.32 trillion ($51 billion), respectively, the data shows.
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.
Investors should match their investment horizon with the fund's portfolio duration.
'A dynamic bond fund acts like a gilt fund in a rate cut scenario and like a conservative short-term bond fund when rates rise.'
Asset allocation - the way you divide your capital among different investment options - accounts for more than 90 per cent of your portfolio's overall return. Which is why it's so very important to get the asset allocation right in your investment portfolio.
The Indian markets have delivered high long-term returns, second only to the US.
Days after Nationalist Congress Party leader Ajit Pawar joined the Maharashtra government, the Shiv Sena (UBT) on Wednesday claimed that only alleged economic offenders Mehul Choksi, Nirav Modi and Vijay Mallya were left to be inducted into the Bharatiya Janata Party.
Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
