Sarbajeet K Sen

Allocation should be commensurate with investor's risk appetite and horizon

Multi-asset allocation funds offer diversification across equities, debt and commodities with tax-efficient rebalancing, but they can lag pure equity funds during strong bull markets, experts say

Large-cap funds have shown steady performance, with recent results pointing to improving earnings momentum across leading companies. Experts say valuations look appealing for long-term investors

New investors should enter US-focused funds systematically with at least a seven-year horizon, while existing ones rebalance portfolios and moderate tech exposure amid high valuations

Avoid behavioural error of entering near cyclical peak and exiting around bottom

Only seasoned investors with high risk appetite and a long horizon should hold manufacturing funds within their satellite portfolios, say experts

Health insurance policies often exclude several expenses. Sometimes claims get rejected. Standoffs between hospitals and insurers sometimes lead to cashless facility not being available

Ladder investments across tenures to manage reinvestment risk, maintain liquidity, and balance returns amid falling interest rates and limited fixed-income options

Such funds are not entirely immune to volatility due to their considerable equity allocation

Conglomerate firms are resilient, but risks in one unit can spill across the group

Enter with 10-year horizon; exposure can range from 20-40 per cent of portfolio, depending on risk appetite

Limited allocation should be taken in the satellite portfolio with above five-year horizon

These funds could, however, underperform during bull runs when the crowd chases speculative bets

Allocation to these funds is essential for style diversity within portfolio

Allocate 5-10% in satellite portfolio with five-year horizon

Suitable for seasoned investors willing to take higher risks

Hit by falling FD rates? Consider these funds with 3-year horizon

Be mindful that these funds do not have a track record, and changing market conditions can render a model obsolete

India's 10-year benchmark bond yield, which fell to 6.13 per cent on June 6, closed at 6.31 per cent on July 15

This theme can underperform during strong rallies in domestic markets