Portion of EPF corpus is invested in equities: Is your EPF money safe?
EPFO started to invest 5% of fresh inflows in index ETFs from August 2015. This was raised to 10% in 2017 and later to 15% in 2018. EPFO’s maiden foray into equities initially proved bountiful but got a rude shock in March this year.
The real task of investing is quite boring and simple; here's how to get over investing inertia
The real task of investing is quite boring and simple. You want to create three buckets to put money into and draw as needed—liquidity, income and growth. Make the macro level decision of how much of your monthly savings will go into the three buckets.
MF portfolio doctor: Sethi needs to increase mutual fund SIPs to Rs 80,000 to reach money goals
The mutual fund portfolio doctor assesses the health of the mutual fund portfolio, examines the mutual fund schemes and their suitability with regard to the money goals and, if required, recommends corrective measures.
Can senior citizen invest FD maturity proceeds in SCSS to fetch more interest via same bank?
The SCSS account can be opened at all designated nationalised banks in their specified branches. Do confirm with your bank if your branch is designated. The rate of interest is reviewed each quarter, thus the current rate of 7.4% may be reset after September 2020.
Planning on ditching your mutual funds for stocks? Don't make these mistakes
Comparing any type of mutual fund with direct stocks is not the right comparison. Besides, mutual funds returns are a derivative of how the broader market performs. It is unfair to blame mutual funds if the market itself has exhibited weakness.
How much should I invest for 15 years to get a monthly income of Rs 50,000 after retirement?
Assuming you live up to the age of 80, earn an inflation-adjusted pre-tax return of 1.88% a year and do not intend to bequeath, you will require a corpus of Rs 1.20 crore the day you retire.
EPF vs NPS: Who should move from EPF and who should stay put
Unless the problems facing the EPF are addressed, the scheme is headed for trouble and younger people should consider moving out to the more transparent and better managed NPS. The NPS also offers them the potential to earn better returns than the EPF which has a very small portion of its corpus in equities.
MF portfolio doctor: Rana should reduce contribution to PPF, increase equity mutual SIPs
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures.
Know your mutual fund adviser: Here's how you can judge a distributor or adviser
Few trust such advice because there is always the shadow of commission-focussed selling looming. There are advisers who give real, earnest advice but it’s hard for savers to figure out who is actually operating in this manner and who is not.
I want to invest for a year, should I opt for a short-term debt mutual fund?
Given your short horizon, go for only liquid funds and ultra-short/floating rate funds. If you are keen on tax efficiency then some amount can be parked in arbitrage funds (not more than 15-20%).
Stock pick of the week: Reasons why Exide Industries is expected to come back strong in 2021-22
Exide is expected to gain further market share from weaker regional and unorganised players due to its strong balance sheet, wide network and ability to launch new technologies. It is currently trading at a low valuation, which has made the company a favourite of analysts.
Motilal Oswal Multicap 35 mutual fund review: How it is making a comeback after a blip last year
This multi-cap fund takes a focused approach, investing in a compact portfolio of up to 35 stocks (currently 25). The scheme has maintained this focus despite quickly growing beyond Rs 10,000 crore in size. It takes heavy bets in its highest conviction ideas.
With the FD interest rates falling, where should I invest my money now?
To ensure maximum capital protection, opt for funds with maximum exposure to AAA-rated or sovereign bonds. You can consider Aditya Birla Sun Life Savings Fund, HDFC Ultra Short Term or SBI Magnum Ultra Short Duration Fund.
Why 'pattern recognition' in investing can be the biggest enemy of an equity investor
After a few years of investing, whether in equities or in equity funds, all our brains are likely to be as clouded with false conclusions and misleading rules-of-thumb. The worst part is we all have ‘evidence’ that our investing rules work.