I’ve been investing in mutual funds and stocks, but the market’s ups and downs make me uneasy. I’m now looking for a more stable investment option that offers regular income along with long-term growth potential. Are REITs a good alternative to equity mutual funds or direct property investment, and what factors should I consider before investing? … Read more
Planning for Retirement: I am considering investing Rs 50,000 through SIPs over the next 15 years to build my retirement savings. Currently, my expenses are below Rs 30,000 as children are settled in their respective jobs and don’t wish to get married so soon. Taking into account inflation and post-retirement expenses, I am curious to … Read more
Since the end of 2024 and the beginning of this year, small-cap and mid-cap mutual funds have experienced significant fluctuations. Small-cap funds have suffered significantly due to their exposure to small-cap stocks that are particularly vulnerable to market volatility. They get heavily impacted during market downturns. The small-cap mutual funds and the Nifty Smallcap 250 … Read more
In April 2025, investors holding select Sovereign Gold Bonds (SGBs) from the 2017-18 series will have the option for early redemption. The bonds eligible for redemption include SGB 2017-18 Series III, IV, and V, with redemption dates scheduled for April 16, April 23, and April 30. These bonds were originally issued at prices varying from … Read more
Over the past five years, since the Covid pandemic, I have actively engaged in Systematic Investment Plans (SIPs) and have been content with the returns, particularly in the post-Covid period. However, in recent months, there has been a noticeable decrease in profits. Despite my apprehensions, my financial advisor has assured me that the current situation … Read more
For the past 5 years since the onset of COVID-19, I have actively invested in SIPs and have been pleased with the growth, especially in the post-Covid era. However, in recent months, the profits have shown a decline. Despite my concerns, my financial advisor reassures me that it is a favorable time to continue investing … Read more
I am a 40-year-old salaried individual earning a monthly salary of Rs 2.75 lakh, while my wife brings home Rs 1.35 lakh per month. She manages our household expenses, allowing me to focus on saving and investing for our future. My current plan involves allocating Rs 1.5 lakh per month towards SIP investments with the … Read more
Amid the current market fall, some investors are facing a dilemma on whether to continue their systematic investment plans (SIPs) in mid and small-cap mutual fund schemes. In 2025, the Nifty 50 has seen a decrease of around 2 percent, while the Nifty Midcap 150 index has dropped by 7 percent, and the Nifty Smallcap … Read more
My bank Relationship Manager recently reached out to discuss the option of opting for a reduced Equated Monthly Installment (EMI) for my loan. While I appreciate the potential savings that come with a lower EMI, I am seeking your expert advice on the matter. Would you recommend maintaining my current EMI amount to expedite the … Read more
Systematic Investment Plans (SIPs) were created to provide a convenient and straightforward alternative for investors who are unable to actively manage their investment portfolios on a daily basis due to market volatility. This allows investors to not only save time but also effectively grow their wealth. Amid discussions about whether to stay invested in SIPs … Read more