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Sarbajeet K Sen is a senior journalist and freelance writer with over 30 years of experience. He writes on personal finance. He has worked with Moneycontrol.com, Financialexpress.com, and Money Today.
Sarbajeet K Sen is a senior journalist and freelance writer with over 30 years of experience. He writes on personal finance. He has worked with Moneycontrol.com, Financialexpress.com, and Money Today.
Be, however, prepared for interim volatility and have a horizon of above five years
A quality-oriented flexi- or multi-cap can play a similar role in your equity portfolio
Equities, debt MFs and annuities should also be part of portfolio
While infra funds can offer good returns over long term, returns tend to swing wildly from one year to next
Mahila Samman Saving Certificate to be available for two years till March 2025, offers 7.5% return, with provision for partial withdrawal
Curtail discretionary expenses and avoid fresh loans amid the current uncertainty
Diversify across sectors and match your investment horizon with paper's tenor to avoid liquidity issues
Your portfolio will benefit from geographical diversification
These funds can fetch double-digit returns over long term which debt tax-saving products can't
Demand from domestic companies will, however, lend stability to the market
Consider laddering to ensure liquidity and to avoid reinvestment risk
Take a tactical bet on longer-duration funds when RBI moves to a tightening stance
Multi-cap funds, with their higher exposure to mid- and small-caps, can outperform but with higher volatility
Constitution of underlying indexes doesn't matter since all the three categories of bonds they invest in are safe
In case of an ETF, prefer those that also have large trading volume and AUM
Stellar long-term track record, growing digitalisation augur well for IT sector funds
High cost of capital, change in policy key risks for these funds
Neither day of the month nor frequency of SIP has a material impact on returns
For tax-efficient exposure, go for TMFs maturing in 2026-2028
To stay safe, keep bulk of portfolio in shorter-duration or target maturity funds