Flexicap fund performance depends heavily on the fund manager's decisions.
'...a mix of asset classes.' 'Include equities for growth (across market caps), debt for stability and liquidity, gold as a hedge against macro and currency risk, and global assets for geographical and economic diversification.'
The RBI has flagged concerns over rising volatility in gold prices and advised lenders to exercise caution in the gold loan segment.
While investments are typically reviewed annually, risk cover is often left unchanged for years.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Investors must account for currency depreciation in their financial plans and use instruments that can cushion the erosion in purchasing power.
Investors encountering underperformance must be patient.
'Exiting during corrections tends to lock in losses. Patient investors have benefited from holding through similar drawdowns in past cycles.'
'Stopping now would defeat the core purpose of an SIP, which is to average out the purchase cost over market cycles.'
Make sure the rider adds value rather than just adding to cost.
'Reviewing terms such as war, invasion, acts of foreign enemies or hostilities, which often appear in industry exclusion lists, can help avoid surprises at the time of claim.'
Younger customers should opt for increasing cover as their financial commitments are likely to rise in the future.
Avoid donating without checking the receipt proforma showing the political party's ECI registration number and PAN.
Algo trading should be segregated in a separate account with only risk capital deployed.
Passive funds appeal to investors seeking to avoid the risk of underperformance by the fund manager and minimise the need for frequent chopping and changing of funds.
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
Beginning November 1, 2025, bank customers can name up to four nominees for their accounts and lockers.
Those who have binged on credit must spend less, cut discretionary expenses, and focus on repayment.
'Allocating 5 to 10 per cent of one's portfolio and staying disciplined through market cycles helps in having a positive investment experience.'
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