Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.

'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'

MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.

'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'

'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'

'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'

Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.

'For those seeking regular income, these funds provide a steady stream of income through dividends.'

'It's advisable not to go overboard on a banking sector fund or any other sector fund.'

'By investing in a basket of funds, FoFs can help minimise the impact of underperforming funds, thus reducing overall investment risk.'

To minimise risk, invest in a debt fund whose duration matches your investment timeframe.

'Earlier there was no provision for considering TCS collected from the taxpayer for overall tax computation.' 'Now, credit will be given by the employer for TCS already collected to consider net tax to be deductible.'

Most investors should have a 5% to 10% allocation to gold for diversification. They should stagger their investments to mitigate timing risk.

Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.

'The move to remove indexation benefits on LTCGs presently available for property, gold, and other unlisted assets may have a negative impact as it directly impacts real estate investors.'

Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.

MMFs invest in fixed-income instruments maturing in less than one year, minimising interest-rate risk.

'Lack of self-control over spending leads to a credit card debt trap.' 'People think they have money and spend using a credit card, but when it's time to pay, they realise they don't have the money.'

'An equity-based index fund should be held for more than five years to average out market volatility and achieve financial goals.'

'Investors should not go for lump-sum investments in infrastructure funds at this point.' 'The SIP route is the best to avoid any major disappointment.'