SHWETA RAJANI
Quant Mutual Fund crisis is another lesson in diversification. Here's why
Diversification in the investment world is not limited to spreading your bets across asset classes and stocks but Sebi's investigation against Quant Mutual Fund in a front-running case is also a reminder of concentration risk in owning mutual funds from just one asset management company.
Why has Quant Large Cap fund been an outperformer? Shweta Rajani answers
I will highlight two-three points over here. One is definitely a size advantage that a Quant would have, so I am talking about a thousand crore fund versus a 35,000 crore fund, so that helps in the agility of the fund manager to actively manage.
Improvement in tech, backend processes & team strength needed to achieve IRDA objective: Shweta Rajani
It is welcoming move what IRDA has done because it now means that one within three hours in a normal case the insurance company has to authorize the entire documentation and the claim approval has to go through, not only that they are also emphasising that there should be a 100% claim and any claim rejection by the insurance company would internally need internal explanations and approvals.
Should you have a diversified investment portfolio tailored to children's education fund? Shweta Rajani answers
Shweta Rajani advises parents on key financial considerations for planning children's education, emphasizing diversified investment portfolios, early savings, and practical tips for overwhelmed parents, including multiple funding sources and emergency funds.
Does a health policy aimed at women make sense to you? Shweta Rajani explains
Shweta Rajani emphasizes the importance of evaluating medical insurance costs and coverage, advocating for policies covering various treatments, especially for women's health. She also highlights the need for comprehensive policies in the face of rising medical costs. Rajani also says: "Definitely as a woman, I would want to see more treatments getting covered and Future Generali has taken one step in that direction . "
Why should you choose a debt mutual fund over and above an FD? Shweta Rajani explains
Shweta Rajani suggests considering debt mutual funds like target maturity funds and arbitrage funds. These funds offer various benefits such as higher yields, better liquidity, tax advantages, and the potential for additional returns if the interest rate cycle plays out. As there is a possibility of rate cuts as well as bond yields coming down, it is time to go in for a longer duration in the debt funds.
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Liquidity and tax implications should be key factors for investing in any instrument: Shweta Rajani
Shweta Rajani says that when making investment decisions, it is important to consider taxation and avail tax-saving provisions like Section 80C. The approaching deadline for LTCG tax highlights the implications of selling various capital assets. ELSS is the preferred investment option over PPF and NPS due to higher returns and shorter lock-in.
Don’t try to replicate fund manager moves in individual capacity. Shweta Rajani explains why
Shweta Rajani, Head of Mutual Funds at Anand Rathi Wealth, advises investors not to blindly replicate a fund manager's buy and sell decisions. Investors should understand the manager's objective and the overall portfolio strategy before making investment decisions. The changes in mutual fund portfolios do not apply to specific schemes.
What is the difference between sector and diversified funds? Shweta Rajani explains
Mutual fund investors should consider sector funds or thematic funds in light of upcoming budget and elections. However, timing is crucial when investing in sector funds. Sector funds focus on specific sectors, while thematic funds encompass multiple sectors under a common theme. Diversified funds, on the other hand, cover a range of sectors. In terms of performance, diversified funds have a higher probability of beating the benchmark compared to sector funds. They also tend to provide more flexibility and active management
How pure play equity and debt MFs reward investors more than hybrid funds? Shweta Rajani explains
Shweta Rajani says: “Today you have arbitrage options which are like debt for you to a certain extent and are taxed at 10%. So that can be managed very well but just getting your asset mix right and your market cap mix right which is relevant for your portfolio and your strategy cannot be done in a multi-asset or a hybrid fund. This is where I would suggest a pure play equity and debt rather than a multi-asset.”
AI designing a financial portfolio for investors? Is the human element necessary?
“Human expertise comes in at various points like setting up your goals. A lot of times, you have to nudge an investor to help him understand what his goal should be. Only when he understands what his goal would be, can you feed it in your robo system, risk tolerance.”
Shweta Rajani on benefits of sovereign gold bonds and how to invest in AI space
“We have seen some of these active fund managers gradually increasing their exposure to technology. And in India, most fund managers have allocations to a few of the companies that have been developing a lot of AI – Infosys, HCL Tech, Wipro. In the last two years, the allocations have gone up. There are various other sectors also which are benefiting from it.”
What should be the investment strategy across market caps? Shweta Rajani explains
“If you have money which is needed after 10 years plus, then having a slightly higher equity, even to the extent of 80% equity would be good to have in the portfolio. So, look at your asset allocations; five to six years, 65 to 75% equity, if more than that, then you can have 80% equity.”
What are short-term debt funds and how to choose the right one? Shweta Rajani explains
Short-term debt funds are categorized based on the investment horizon. For investments of a few days or weeks, liquid and overnight funds are appropriate. For a horizon of six months to a year, money market, ultra short duration, and low duration funds are suitable. Short duration funds are recommended for a horizon of two to three-and-a-half years. The yield or return expectation for these funds ranges from 6.8% to 7.2%. There is an inverse relationship between interest rates and returns.
Investing for NRIs: A comprehensive guide to opportunities and challenges
NRIs have a plethora of investment options in India, ranging from equities and mutual funds to fixed deposits and debt funds. Understanding tax implications and staying updated on DTAA agreements are crucial for effective investment planning.
What sort of investments are allowed for NRIs in India? Shweta Rajani answers
You need to have your PAN card, address proof, a bank account statement and your passport copy in place to get your KYC and other details done. If you have these two things in place, then you can invest in India.
What kind of funds should you diversify into? Shweta Rajani explains
But if you are still at 65% of equity on your portfolio today, then do not be worried about where the market level is. In fact, this is a level where you need to build in and get to your desired 70% allocation.
Are weekly SIPs a better option for mutual fund investors?
Weekly SIP is yet another mode to stagger your investments. The staggering frequency in this case is four times a month instead of once.
Akash-Shloka twin in shades of pink; Gautam Gambhir, Kapil Sharma, Sonakshi Sinha among guests
The new bride opted for a pink lehenga and Ambani Jr looked dapper in a sherwani.
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