FIXED DEPOSITS GOLD MUTUAL FUNDS
Women outpacing men with higher AUM, long-term outlook in mutual funds
The proactive approach undertaken by women investors to achieve financial autonomy and growth, underscoring their commitment to long-term investing.
ETFs constitute 13% of the total mutual fund industry AUM: Zerodha Fund House
ETFs now constitute close to 13% of the total Mutual Fund Industry AUM indicating the remarkable adoption of ETFs by retail investors in India, according to a study by Zerodha Fund House.
Your mutual fund redemptions, SWP, switch, STP will stop if you don’t do this by July 1
Mutual fund unit holders must submit nomination information in a prescribed manner and opt out of nomination if needed using a regulated declaration form.
SBI hikes FD interest rates. What should debt mutual fund investors do?
SBI have increased FD interest rates, offering guaranteed returns. Investors should consider their goals and risk tolerance before switching from debt mutual funds to FDs.
Healthy credit-deposit ratio needed
State Bank of India and other public sector lenders are urging the government to allow incentives to boost deposits, addressing a slump in credit flows.
If not equity, corp FDs offer 1-1.5% over debt MFs and banks
Corporate deposits with higher credit ratings are recommended for investors looking to reduce exposure to equities. Top finance companies like Bajaj Finance and Shriram Finance offer higher returns than bank deposits and debt mutual funds, providing a safer investment option, according to wealth advisors.
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Why is the process of asset allocation necessary in mutual funds?
It is difficult for any investor to predict when equity will go up or when it could correct. There could be many factors affecting it. So when equities go down, and all your money is in it, you will be hit hard. However, if some part of it is allocated to gold and debt, it will protect your portfolio.
I received Rs 70 lakh after retirement. Where should I invest this amount for good return?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
I received Rs 18 lakh from sale of ancestral property. Where should I invest this money for the next 3-5 years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Big bosses talking up the market is very scary because things can go wrong: PV Subramanyam
PV Subramanyam advises investors to focus on long-term investment strategies, considering market cues cautiously and diversifying portfolios to mitigate risks. He says that we ne need to be careful that the market can go down. The big bosses are talking up the market, which is very scary because things can go wrong and we need to be ready for that.
This MF category is safer than other equity-oriented peers, offers better return than FDs
Equity Savings Funds (ESF) offer safer investment opportunities with potential for higher returns than Fixed Deposits (FDs). They invest in multiple asset classes, including equity, debt, and arbitrage opportunities, providing tax efficiency. ESFs also exploit price differentials in various markets for consistent returns.
Debt mutual funds vs bank FDs: Where to invest for higher returns?
Debt mutual funds outperformed fixed deposits, emphasizing the importance of considering risk profile and investment goals. The strategy involves focusing on short-term funds and excluding target maturity funds.
Time for India to get the investment game right!
Indian households traditionally prefer fixed deposits, gold, and real estate for investments. However, equities, mutual funds, SGBs, InvITs, and REITs offer higher returns over the long term. StockGro aims to educate and empower investors in the equity market. SEBI, NCFE, and RBI play roles in promoting financial literacy and regulating investments.
Spending at ease in retirement: Follow these 5 rules to grow your savings at all times
The fear that the retirement corpus will not be enough comes primarily from it being small. It is also stoked by how the corpus is invested. The conservative mistake of earning years is repeated in retirement. The money is invested in debt products and income earning assets. Many retirees believe that equity investing will put their lifetime savings at risk.
SBI hikes FD interest rates but still less than what these 313 debt mutual funds have offered
SBI raises fixed deposit rates by up to 75 basis points, effective May 15, yet falls short compared to over 300 debt mutual funds offering higher annualized returns of 6.47% to 11.60%.
Income tax return: My wife is a homemaker who earns interest income below Rs 2.5 lakh from FDs, RDs. Should she file her ITR?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Two debt mutual funds deliver over 7% return in one year. Should you break your bank FD?
Liquid and money market funds have outperformed the one-year fixed deposit rate of 6.8%. Liquid funds yielded 7.13% returns, while money market funds delivered 7.15% over the past year.
Samco Special Opportunities Fund, and two Bajaj Finserv Mutual Fund NFOs open for subscription this week
Bajaj Finserv Multi Asset Allocation Fund and Samco Special Opportunities Fund NFOs open this week, focusing on diverse investments like equity, debt, Gold ETFs, and special situations for potential capital growth.
Now investors can buy corporate bonds for just Rs 10,000; should you go for it?
While investing in fixed income, investors typically hunt for safety of capital and predictability of return. Most retail investors shy away from debt funds as these are market-linked. While individual bonds may seem appealing, the onus of due diligence falls on the investor.
19% annual returns in 10 years on buying gold on Akshaya Tritiya; should you invest in gold this year too?
Gold price has increased by 18% to Rs 71,502 for 10 grams with 999 purity since the last Akshaya Tritiya. Investing during this period has historically yielded attractive returns due to various factors such as price cyclicality, holding period, and discipline in investment. Safe havens like gold may see increased demand amidst global uncertainties and currency depreciation impacting prices. Experts recommend a 15% allocation to gold for a balanced risk profile.
Bajaj Finserv Mutual Fund launches Multi Asset Allocation Fund
The scheme will be benchmarked against 65% Nifty 50 TRI + 25% NIFTY Short Duration Debt Index + 10% Domestic Prices of Gold. Nimesh Chandan and Sorbh Gupta (equity investments), Nimesh Chandan and Siddharth Chaudhary (debt investments) and Vinay Bafna (commodities investments) will manage this fund.
Akshaya Tritiya today: Gold ETF AUM doubles in 3 years to Rs 33,000 crore
Gold ETFs have seen exponential growth, with assets doubling to Rs 33,000 crore in three years. In the last one year, gold ETFs have offered an average return of 15.47%.
What are Gen Z’s top 3 rules for investing & what are the red flags? Pranjal Kamra explains
Pranjal Kamra warns against accumulating personal loans and credit cards, emphasizing the importance of understanding asset classes, maintaining risk control, and being debt-free to avoid financial pitfalls. Kamra also says that for a beginner, it is virtually impossible to make money in categories like crypto and F&O. Either they border on gambling or they are such complex investment instruments by nature that it is not designed for a retail investor
How is a debt mutual fund different from equity Mutual funds? Amol Joshi answers
Amol Joshi emphasizes the importance of debt mutual funds in balancing investment portfolios, shielding against market risks, and providing stable returns. Understanding the dynamics of debt instruments is essential for effective asset allocation and long-term financial growth. Joshi says: "There are some rules of thumb that a debt mutual fund is useful when you have an investment horizon that is spanning a few weeks or months or something that is not really medium or long term."
Breadth of the market rally is narrowing. Where to invest?
Between April 2023 to January 2024, around 47% of the Nifty500 universe generated more than 50% returns & nearly 20% of the universe more than doubled their stock prices. Most of this action was witnessed in mid and smallcap categories.
Want higher return from your investments? Use this approach
It is a technique of buying multiple fixed income products, each with a different maturity. Text: CIEL
How many funds to have in a portfolio?
Financial planners say it is difficult to put a cap on the number of schemes in an investor’s portfolio, as investors increasingly use mutual funds to meet both long-term and short-term goals.
Over 100 debt mutual funds deliver returns higher than fixed deposit schemes. See top 5
Looking to invest in debt mutual funds? Choose from the top five funds: DSP Credit Risk Direct Plan(G), Invesco India Credit Risk Fund(G)-Direct Plan, DSP Strategic Bond Fund(G)-Direct Plan, SBI Long Duration Fund(G)-Direct Plan, and HDFC Long Duration Debt Fund(G)-Direct Plan.
More savers ditch bank deposits to flirt with equity
Indian banks face challenges as urban savers shift to Dalal Street instruments like mutual funds and stocks, causing a decline in low-cost current and savings account (CASA) deposits. Private sector banks are particularly affected, while public sector banks also face difficulties in attracting deposits from corporate and government accounts.
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