BUSINESS
US tariffs shoot up, RBI holds repo rate: Time to review your debt-fund strategy?
The advisable approach to debt funds is to match the portfolio maturity of the fund with your investment horizon.
BUSINESS
Why individuals must invest long-term, avoid day trading & derivatives
Individuals should avoid trying to emulate proprietary and institutional players. They are professionals who trade for a living, with support from algorithms.
BUSINESS
Long-term financial goals—not current events or market corrections—should guide your investment journey
Even as you track market movements and attempt to decode their impact on your investment portfolios, it is more important to keep your eye on your own long-term goals and investment journey.
BUSINESS
RBI rate cut: After the US Fed action, it’s a matter of when and not if
US Fed Rate Cut: With the US Federal Reserve slashing key interest rates again and domestic inflation expected to ease from December onwards, the RBI could start the interest rate easing cycle in February 2025.
BUSINESS
Risk Roulette: Why retail F&O investors tend to bleed heavily
During FY22-FY24, 1.13 crore unique individual traders incurred a combined net loss of Rs 1.81 lakh crore in F&O.
BUSINESS
Why should the RBI reduce interest rates?
At the next MPC meeting to be held between October 7 and 9, the RBI has its task cut out. The US Fed has surprised with a 50 bps rate cut.
BUSINESS
How retail flows have come to chase bull markets
Individual ownership in Indian listed companies might be a fraction of promoter ownership. But retail investments have a much bigger bite. Even with a relatively smaller ownership, individuals are significant market participants.
BUSINESS
Who owns the equity market?
Domestic institutions now own more than foreign institutions. DIIs, as a group, hold 18.4%, whereas the ownership of FIIs has slipped to 17.9 percent.
BUSINESS
Why is a SIP in debt funds beneficial to you?
Approximately 90 percent of SIP money flows into equity. While equity creates wealth over the long term, debt helps stabilise and diversify, while also growing your corpus, albeit at a slower rate than equity.
BUSINESS
Worried about markets post elections? A multi-asset allocation fund can help
Wide fluctuations in returns, every year, across various asset classes like equity, gold and debt make a strong case of multi-asset funds. This may not be the only scheme in your portfolio, but there is a case for some allocation here.
BUSINESS
Personal Finance: When will interest rates start to fall?
Although the US Fed has signaled that the rate fall might get a bit more delayed than what much of the market had earlier anticipated, the Eurozone might just start cutting rates earlier, as inflation has been falling in Europe. The next Indian monetary policy meet is on June 7
BUSINESS
RBI holds on rates, life and market go on
The central bank’s projections on the economy remain same, market will wait for hints on rate cuts
BUSINESS
Last-minute tax saving tip: Tax-breaks are important, but prioritise your financial goals
Buy insurance, not just for income-tax breaks, but because you really need an insurance policy. Consider Public Provident Fund to be a great investment, even without tax breaks.
BUSINESS
Why Sovereign Gold Bonds is less gold and more a contract
Sovereign Gold Bond (SGB) is an immensely popular instrument that gives investors the benefit of gold price movements plus 2.5 percent per annum interest. Read on to understand why investing in SGBs is gaining popularity
BUSINESS
RBI holds interest rates, with no hint of rate cuts
From an overall perspective, the RBI’s reading of the situation sounds good: buoyant GDP growth and benign inflation
BUSINESS
With low NPAs and better interest rates, how healthy are bank deposits?
The answer depends on whether the lender is state-owned, private or an urban cooperative bank.
BUSINESS
Beating the market rollercoaster with longer term investments
Given the questions raised over market valuations and their sustainability, the longer one rides the ups and downs of the market, the better the returns over the long term.
BUSINESS
Monetary Policy: RBI improves economic projections…how soon will rate cuts follow?
With growth projections improving and inflation expected to be benign, the change in stance from “withdrawal of accommodation” to neutral, is the first step in the direction of an interest rate cut.
BUSINESS
Personal Finance: DIY tips to build a solid bond portfolio
Unlike shares of listed companies, it is not easy to buy bonds directly. But debt investments are just as important as equity. Here’s what you need to remember when buying bonds from online bond trading platforms or the RBI’s Retail Direct platform
TRENDS
RBI holds interest rates, markets move on, your EMIs remain unchanged
Inflation projection for next financial year is benign
BUSINESS
Bank FDs or corporate fixed deposits: Where should you invest your money?
Your fixed deposit with a bank is guaranteed to only Rs 5 lakh per bank, in deposits held across all its branches put together. However corporate FDs with a good credit rating are just as safe but come without the deposit insurance cover and perceived government-backing
BUSINESS
Are individual equity investors moving towards MFs?
The share of individual investors in stock market trades fell to 34.9 percent in FY24, till July 2023 from a 45 percent share in FY21. A look at the increase in inflows through SIP tells us confidence of retail investors is rising. And that’s good news.
BUSINESS
Debt funds still work, even without indexation benefits
Inflows in debt funds continue despite the removal of indexation benefits, which was more of a psychological shock than hard fact.
BUSINESS
RBI holds interest rates: Who wins, who loses
Reset on home loan and other floating rate loans to be made more transparent. This measure would not make interest rates beneficial for you, but you would have more rights as a customer.
