Latest Saving, Investing & Mutual Fund Articles

How will you select good mutual fund scheme will give you good returns in the future? Most investors look at short term performance of schemes – top performing schemes in the last one or two years. But this is not the right approach. Short term performance is biased by prevailing market conditions. A particular scheme may outperform...

There is growing awareness about asset allocation among financial advisors and experienced investors in India. The unexpected fallout of COVID-19 outbreak and the market crash in 2020 reinforced the importance of asset allocation to many investors. Financial advisors have been asking their clients to invest...

Contra fund are equity mutual fund schemes which follow the contrarian investment style, where you invest in stocks that are currently out of favour in the market. Contrarian fund managers invest in stocks or sectors in which they expect price recovery in the future. Since contrarian investors usually buy...

FY 2021-22 was a great year for Indian equities. The Nifty 50 TRI gave 19% return in the last 12 months ending 31st March 2022. However, equities have been facing headwinds over the last several months. Even though the economy is on the recovery path from COVID-19 shock, high commodity prices and...

The new financial year has begun and this is a good time to see where you stand from a financial perspective and make plans for the New Year. If you are a salaried person, this is also the time when your annual increment comes into effect and you can review your regular investment plans for the year. In this blog post, we...

Three types of investor behaviours can be observed in volatile market. Some investors panic and redeem their investments when market crashes; this is usually harmful for the long term interests of the investor. On the other extreme, there are some investors who prefer to invest when the market corrects; these investors can get...

SBI Equity Savings Fund was launched in May 2015 and has Rs 2,275 Crores of Assets under Management. The expense ratio of the fund is 1.72%. For redemption of units within 15 days, the fund will charge an exit load of 0.1%. The scheme has given 8.4% CAGR returns since inception. Considering the volatility of the scheme, which is much lower compared to other equity oriented hybrid funds, these...

Balanced Advantage Funds, also known as Dynamic Asset Allocation Funds, are hybrid mutual funds which manage their asset allocation dynamically between equity and debt. The asset allocation will change depending on market conditions using quantitative asset allocation models. You can see in the chart below that, different...

Tax consequences should be one of the most important considerations in investment and financial planning. It is the obligation of every tax payer to disclose the correct taxable income, including income from investments, in their annual income tax returns filing and pay the requisite tax; failure to do so, may attract penalties...

Dynamic Asset Allocation changes equity and debt allocations of the portfolio based on market conditions. Dynamic Asset Allocation models usually increase asset allocation to equity and reduce allocation to debt, if equity valuations fall. If equity valuations are increase, then dynamic asset allocation models reduce...