Page 6 - Sarbajeet K Sen

Conservative investors with long-term goals may opt for ESG funds

Their recent underperformance vis-a-vis multi- and flexi-cap funds was due to predominantly large-cap exposure

Reasonable valuations, potential US rate cuts bode well for tech funds

Mitigate inherent volatility with limited exposure and a long horizon

Protect volatile equity market gains with 10-15% investment in gold

Potential rate cuts in the US this year could boost gold's performance

Opt for long-duration, gilt funds to gain from interest rate cuts

Go for the flexibility of dynamic bond funds if you are unsure about direction of rates

Investors can lock into current high yields with target maturity funds

The medium- to high-maturity variety of these funds can also offer capital gains if interest rates fall

Counter high valuations, volatility by investing in hybrid mutual funds

Diversifying investments through multi-asset funds can be another smart investment move

MAAFs: After sharp equity run-up, diversify with these all-weather funds

Both return and tax treatment can vary widely based on each fund's asset allocation mandate

Higher fund flows into India, other EMs likely to boost asset prices

Stick to asset allocation, avoid wholesale portfolio changes

Optimise returns on short-term corpus with liquid and overnight funds

Yields from these schemes are attractive currently, but could come down if rate cuts happen

Allocate 20-30% to long-duration debt funds, enter with 6 to 8 years period

Even when investing solely for capital gains, stay flexible and extend investment horizon if required

Avoid going overweight or exiting from equities during bull markets

Rebalance by booking profits in mid and smallcaps, allocate to fixed income

Rebalance portfolio, avoid overexposure or complete exit from equities

Book profits in mid- and small-cap segments, allocate money to fixed income and gold

Investors should limit their allocation to smallcap funds at 15-20%

Book profit if you have become overweight after the recent run-up

Choose Balanced Advantage Fund that changes equity-debt mix on time

But, these funds can lose money during severe market corrections

US Federal Reserve's potential 2024 rate cuts may extend rally in silver

Investors must, however, be prepared for greater volatility in white metal

Upbeat outlook amid stable credit environment, high portfolio yield

Take moderate exposure to these funds, given the potential for defaults and downgrades in their lower-rated portfolios

Tilt portfolio towards largecap funds to tap reasonable valuations

Consider going for a passive fund

Go for gold bonds if you have long horizon, ETFs if you need liquidity

Buy jewellery for consumption; it is inefficient for investment purposes

For mix of stability and growth, invest in large and midcap funds

Investors overweight on small- and mid-cap funds may consider booking profits there and allocating to these funds

Invest in US Treasury debt fund for currency hedge: What is on offer?

There could be losses if interest rates rise or rupee appreciates