Latest Saving, Investing & Mutual Fund Articles

The last one month has seen stock market crashing all across the world. However, history of past bear markets tell us that 25 – 30% fall in share prices create attractive investment opportunities for long term investors. While Nifty (large cap) has fallen 30% from its all time high, midcaps have fallen more than 40% from their peaks. From a...

For the last 20 years (except for a brief period in FY 2003) dividends were tax free in the hands of the investors, but the company paying dividends had to pay dividend distribution tax (DDT) before giving dividends to investors. In the 2020 Budget, the Finance Minister abolished DDT and moved back to the classical system of taxing...

Most of you would be aware of the Yes Bank crisis, which has been dominating news headlines along with Coronavirus for the last few days. The RBI has announced a draft restructuring plan which includes capital infusion by SBI and picking up 49% stake in Yes Bank but the proposal to fully write down the Additional Tier 1 (AT1) Bonds issued...

We have covered Principal Emerging Bluechip Fund a number of times in our fund reviews. The scheme has been a strong performer over a long investment horizon (5 years plus), but the fund underperformed in 2018 and also in the first half of 2019. We had discussed the reasons for the 2018-19 underperformance of this scheme...

As per SEBI’s directive, medium duration debt funds invest in debt and money market instruments such that the Macaulay Duration of the scheme portfolio is between 3 years to 4 years. Regular Advisorkhoj readers know that prices of debt securities have an inverse relationship with interest rate movement. When interest rate goes...

Services Sector is one of the most attractive sectors for equity investors in India. Service sector growth in India is led by rising purchasing power, fast growth in social mobility and increasing urbanization needs. Over and above this, outsourcing by foreign companies in the business services, BPO and IT services segment have given Services sector in...

For most retail investors in India, equity as an asset class is limited to just Indian stocks or mutual fund schemes which invest in domestic stocks. Adding international stocks or funds - to your portfolio provides several diversification benefits. All stock markets do not move in the same direction always – in the last 2 years US S&P 500 gave 10%...

One of the most encouraging trends of investor maturity in India is the increasing popularity of SIPs in India. As per AMFI data, there are more than 3 Crore SIP accounts as on January 2020. More than 1 crore SIP accounts were added in FY 2018-19 and a higher number is expected to be added in this financial year. Rs 8,532 Crores were...

Bank Fixed Deposits have been the traditional long term investment choice of average Indian households. As per Reserve Bank of India’s annual statistical publication on financial assets and liabilities of Indian households, bank FDs account for nearly 50% of average household savings with life insurance policies a distant second...

Selecting a mutual fund scheme is an important aspect of your investment decision. We have discussed many a times how to select funds for your investment needs based on your risk appetite and investment goals. Once you have zeroed in onto the right category of funds based on these two factors, you should select schemes which...