EQUITY SAVINGS FUND
Lumpsum vs SIP: Is caution killing the case for lumpsum?
Mutual fund SIP inflows hit record highs in May amid market rally. Investors are cautious about lumpsum investments due to geopolitical tensions and slowdown fears. Vishal Dhawan suggests hybrid equity funds for lumpsum investments. Equity mutual fund inflows dropped, while hybrid funds saw increased interest. Overall mutual fund inflows decreased, but total assets under management grew.
I am 25 years old and in my first job. Should I buy a house or build financial assets first?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
These 7 banking stocks can give more than 20% returns in 1 year, according to analysts
In the last few weeks, bank stocks have outperformed a volatile market. So, it is clear that, unlike in the past when bank stocks led the correction in the market, this time institutional investors are clearly in no hurry to reduce their banking exposure. This has to be seen in light of the fact that, for a well-known reason, the margins of banks are going to come under pressure in coming quarters.
Best tax saving mutual funds or ELSS to invest in June 2025
Tax saving mutual funds or ELSSs invest in stocks. Therefore, they have a very high risk. You should be aware of this aspect, especially if you are a first-time investor in equity mutual funds. Compared to your usual investments like Public Provident Fund or National Savings Certificate, etc, ELSSs do not offer guaranteed returns. You may even suffer losses in a bad market.
Turf war in the clouds showers on the ground
As neocloud firms begin to challenge hyperscalers’ dominance, Indian data centres seek to benefit from this shift in cloud business, finds Himanshi Lohchab.
Explained: Why holding mutual fund units in demat form makes sense
Digitizing mutual fund investments through demat accounts enhances transparency, efficiency, and investor control. With seamless transactions, consolidated tracking, and added features like pledging and unified nomination, the system simplifies investing. NSDL highlights this as a transformative step in India’s financial evolution.
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Is UPS better than NPS for government employees? Here’s how to decide
By 30 June, central government employees must decide whether to continue with the National Pension System (NPS) or switch to the newly rolled out Unified Pension Scheme (UPS) as their retirement chariot. This switch can only be exercised once.
Why you should invest in health and wellness sector for improved financial health
You’ve heard it time and again — “Health is wealth.” But as one approaches middle age, this adage becomes more than just a cliché. Rising medical costs, especially due to chronic conditions like diabetes, cardiovascular complications, and lifestyle diseases, begin to weigh heavily on personal finances.
Can an American pope apply US-style fundraising and standards to fix troubled Vatican finances?
Pope Leo XIV, formerly Bishop Robert Prevost, confronts the Vatican's significant financial challenges, including a structural deficit and pension shortfall. His American background is expected to inspire confidence among U.S. donors, crucial for Vatican finances.
No side business? No family wealth? CA shares 'boring' wealth formula that works while you sleep
CA Nitin Kaushik shared insights on X about financial discipline and wealth creation, emphasizing saving before spending, inspired by Warren Buffett. He highlighted the power of compounding, illustrating how consistent investments grow significantly over time. Kaushik advised starting early, reinvesting returns, and avoiding unproductive debt for long-term financial independence.
MF Tracker: Will this Rs 30,000 crore smallcap fund continue to maintain its long-term performance?
SBI Small Cap Fund, with a 21.87% CAGR over seven years based on daily rolling returns, stands out for consistent performance and strong risk management. Despite short-term underperformance versus category averages, experts praise its downside protection and stock-picking approach, making it a compelling choice for long-term investors with a high-risk appetite.
Not just you, even HNIs are struggling to save and invest
The India Wealth Survey 2025, conducted by Marcellus Investment Managers and Dun & Bradstreet, reveals that while India's high-net-worth individuals (HNIs) are becoming more aspirational, many remain financially unprepared. Despite rising incomes and a prolonged bull market, nearly 43% of HNIs save less than 20% of their post-tax earnings.
In booming bull market & high-flying economy, it's the high & mighty that are coming up short
A recent survey showed that many High Net-Worth Individuals (HNIs) in India are not achieving their financial aspirations. Despite a flourishing economy, limited savings and heavy debt burdens plague HNIs, particularly those aged 30 to 45. The survey stressed the need for better financial planning and personalised advice to help them reach their goals.
Cash isn't king! Radhika Gupta explains why sitting idle doesn't work in mutual funds
Edelweiss Mutual Fund maintains low cash levels, believing in stock picking over market timing. Radhika Gupta highlights SIPs as a reliable investment strategy. Smallcap returns have recovered, but earnings growth is crucial. The firm avoids taking cash calls in equity funds, focusing on sector selection. Gupta advises a balanced asset allocation with fixed income, gold, and international funds.
Maximize Your Returns: The best equity savings funds for conservative investors
Investors seeking alternatives to traditional equity schemes due to high valuations can consider equity savings funds or conservatively managed hybrid funds. Equity savings funds offer a mix of equity, arbitrage, and bonds, primarily investing in large-cap stocks, and are taxed as equity products.
Why are HNIs in India struggling to save and invest wisely?
A recent survey by Marcellus Investment Managers and Dun & Bradstreet reveals that many Indian HNIs with incomes exceeding ₹20 lakh may struggle to meet financial goals due to insufficient savings and low investment returns.
Share of high cost deposits double in two years
Term deposit rates have surged, with over 70% earning above 7% in March. Banks are vying for funds amidst previous rate hikes. Experts note a shift towards bulk deposits. High deposit costs may persist through fiscal year 2026. This could squeeze interest income margins for banks. Recent rate easing will impact deposit costs with a delay.
43% of Indian HNIs save less than 20% of their income, says Marcellus–D&B Wealth 2025 survey
The India Wealth Survey 2025, which surveyed 465 households across 28 cities, revealed that 43% of high-net-worth individuals (HNIs) save less than 20% of their post-tax income, despite aspiring for early retirement, entrepreneurial ventures, and financial stability for their children.
These 9 banking stocks can give more than 22% returns in 1 year, according to analysts
In the last eight months, every time the markets have moved up, bank stocks have invariably been among the top gainers. Large private sector banks, which were underperformers for a long phase of over three-and-a-half years, are among the current outperformers. So now, stick with these stocks even if there is some bad news. The Q4 earnings season numbers for banks showed a decline in margins. This might appear to be negative to many, but was on expected lines.
US yields are America’s headache, but DXY may be world’s concern: Kotak Equities
Kotak Institutional Equities suggests rising US bond yields reflect domestic fiscal concerns rather than growth optimism. A weakening US dollar, however, poses broader global risks, potentially reshaping investment strategies and capital flows. While US yields may be a localized issue, a declining dollar index could trigger asset repricing and influence financial stability worldwide, but India seems insulated.
India crowned top destination for stock compounders, says BofA; lists 9 structural themes
According to the International Monetary Fund, India is projected to be the fastest-growing major economy in 2025 and 2026. Over the past 30 years, Indian markets have delivered USD-based returns at a 7% CAGR, second only to the U.S. Notably, this performance has been driven primarily by earnings growth rather than valuation increases, distinguishing India on the global stage.
Smallcap mutual funds offer 8% average return in May, all equity mutual fund categories end with gains
Equity mutual fund categories showcased positive average returns in May, with small cap funds leading the pack at 8.20%. DSP Small Cap Fund topped the small cap category, while Nippon India Taiwan Equity Fund soared in international funds. Pharma & Health Care sector based funds experienced the lowest average return during the period.
Volatile Markets and SIPs: What should mutual fund investors do?
In a volatile market, experts urge investors to continue SIPs, emphasising long-term benefits, disciplined investing, and compounding. Despite recent market recovery, attractive valuations—especially during dips—make a strong case for continuing or increasing SIPs. Experts also suggest staggering lump-sum investments, opting for large-cap, multi-asset, or international funds to diversify and manage risks effectively.
Can equity investors earn more by parking unused funds in liquid ETFs instead of bank account when trading?
Equity investors are increasingly being asked by their brokers to use liquid ETFs for better trading. Liquid ETFs help manage cash flow smoothly while allowing productive use of idle money. Liquid ETF units are equivalent to money in the trading account, and brokers also benefit from liquid ETFs. These ETFs can be pledged for margin in F&O trading.
Your step-by-step guide to retirement planning: Secure your future with confidence
Retirement planning is a lifelong journey, starting early is crucial for a secure future. The article breaks down retirement planning into four stages, emphasizing the importance of consistent saving, strategic investments, and adapting to changing financial responsibilities. It also addresses common retirement challenges and offers solutions for those who start late, highlighting the significance of financial freedom in later years.
Navigating volatility: Why staggered SIPs make sense for small & mid cap MFs right now
Motilal Oswal advice lump sum investments in stable large, hybrid, and flexi cap funds, while recommending staggered investing in volatile mid and small caps. Fixed income looks favorable amid RBI’s supportive stance. Active funds show strong long-term compounding despite short-term dips.
I am 55 years old and have Rs 50 lakh lump sum. How can I invest it to build wealth in 5 years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
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