Sarbajeet K Sen

Smallcap funds: Normalised valuations make a case for long-term investors

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

Multi-asset funds: Invest for diversified portfolio, tax-smart rebalancing

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

Allocate 30-70% of your equity portfolio to large-cap funds, say experts

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 systematically with a minimum seven-year horizon

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

Sectoral ETFs: Invest if you anticipate turnaround in beaten-down sector

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

US trade deal may reignite interest in manufacturing fund segment

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

Building healthcare corpus: Balance growth and liquidity, avoid lock-ins

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

Fixed-income investments: Look beyond returns, weigh credit risk, lock-ins

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

Aggressive hybrid funds suit moderate-risk investors with long-term goals

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

Invest in Conglomerate Funds for full cycle, limit to 5% allocation

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

Midcap funds: Invest amid valuation comfort, strong earnings growth outlook

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

Infra funds: Suited for seasoned investors who can handle cyclicality

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

Invest to boost portfolio resilience amid current bout of uncertainty

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

Earnings recovery can revive value funds, invest with 5-year horizon

Allocation to these funds is essential for style diversity within portfolio

PSU Funds: Govt spending could aid recovery, suited for high-risk takers

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

Special Opportunities Funds: For seasoned investors open to higher risks

Suitable for seasoned investors willing to take higher risks

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

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

Multi-factor funds: Opt for quant model-run fund to eliminate manager risk

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

Debt funds: Keep bulk of portfolio in short to medium-duration funds

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

MNC Funds: High quality, but hold for a minimum of 5 years to offset risks

This theme can underperform during strong rallies in domestic markets