Dhaval Kapadia

Each SIP installment is fresh purchase; check exit load when redeeming

If one is investing Rs 1,000 through monthly SIP in a fund that charges an exit load of 1% for holding period less than one year and now wants to withdraw towards end of two years, then investments made in the first 12 months

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Investing in debt funds? Go for high credit quality portfolios

Equity funds are inherently more risky than debt funds, as is evident from the volatility that they have historically subjected investors to.

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Choose fixed maturity plans investing in high grade credit paper

The realised return (yield) can be computed by plotting the cash flows against respective dates in an excel spreadsheet; and using the XIRR formula.

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To get pension, buy annuity from an insurance company

Is there any way where I can invest in mutual funds now for 30 years and get pension later? – Shekhar Kumar No, for a regular pension, you would have to purchase an annuity from any of the insurance companies. Do I have to

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SIPs are best-suited for investments in volatile markets

SIPs are best for investments in volatile markets. Hold your investments for at least seven years to eliminate risk of capital erosion. Longer the investment horizon, higher the probability of making money.

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Here’s what you need to do in a volatile market

Funds within each category have a similar investment mandate which determine their risk and return characteristics. Small/ mid cap funds are suited for a horizon of at least 7-10 years, whereas large cap funds are suited for

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From liquid funds to equities: Use systematic transfer plan to move funds

In an STP, your money earns higher returns in the liquid fund relative to your bank account, and is then invested into the fund based on the STP schedule.

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By reducing SIP, you can’t buy units at lower prices, says Dhaval Kapadia

The main benefit of SIP is rupee cost averaging, an investment technique applied to regular fixed instalments. As the amount is fixed and regular, more units are bought when the market price of shares is low and lesser units

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Returns posted by fund houses are subject to audit

Equity index funds invest in stocks by typically replicating a benchmark equity index such as the S&P BSE Sensex, Nifty, etc.

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Probability of negative returns reduces long holding period, says Dhaval Kapadia

The probability of negative returns is the highest for a one year holding period and over a seven year holding period the probability of a negative return from Indian equities (Sensex) is negligible.

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Do not reduce/stop SIP due to market volatility: Dhaval Kapadia

Mutual fund units can be transferred only after the demise of the unit holder.

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Your Queries: Is there any lock-in period for Gold ETFs?

There is no penalty for withdrawing from a fund in which one is investing through SIP mode, as SIP and withdrawal (redemption) are two separate mandates.

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In a volatile market, continue SIP with a long-term horizon

Over the short to medium term, their performance can fluctuate significantly even resulting in negative / low returns over various time periods.

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Your Queries: Include global equities for diversification of portfolio

A suitable asset allocation is typically based on one’s investment horizon and risk appetite.

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Mutual Funds: LTCG tax on equity MFs to be paid only if holdings are redeemed & gains above Rs 1 lakh a year

LTCG tax on equity MFs to be paid only if holdings are redeemed & gains above Rs 1lakh a year.

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Mutual Funds: Index funds are also subject to equity market-related volatility

Equity index funds invest in stocks by typically replicating a benchmark equity index such as the S&P BSE Sensex, Nifty, etc. They buy all the stocks which are in the benchmark index in the same proportion or weight.

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Mutual funds: Past performance irrelevant if there is major change in fund strategy

Post Sebi’s re-categorisation norms, many MF schemes are undergoing change.

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Systematic Transfer Plan: Know how STP works

Under Systematic Transfer Plan (STP), an investor gives consent to the mutual fund house to transfer certain amount/ units from one scheme to another, of the same mutual fund house at regular time intervals.

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Want to withdraw funds from SIP anytime? Keep this fact in mind

There is no penalty for withdrawing from a fund in which one is investing through SIP mode, as SIP and withdrawal (redemption) are two separate mandates.

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Mutual funds: Unless regular income is needed, growth option is preferable

The Union Budget 2018 introduced a tax of 10% on both long term capital gains (LTCG) and dividend distributed by equity-oriented mutual funds. Debt funds already attracted dividend distribution tax of 28.84%, while LTCG attra

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Equity funds vs dividend funds: Which mutual fund scheme is better? Find out here

Equity mutual funds are suitable for long-term capital growth (6-7 years or more). Over longer time periods, equity funds have historically delivered higher returns as compared to other assets like fixed deposits, public prov

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How to invest in mutual funds: This is the way to start your own portfolio

Asset allocation is based on one’s investment horizon

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How safe are debt funds? Here is what you can invest in

FMPs are suitable for investors who want to invest in low risk debt instruments and require liquidity after a pre-determined period of time. On maturity of the fund, AMCs typically offer an option to either exit the investmen

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Investing in mutual funds: Here is the ideal combo for maximum benefit for you

The asset allocation or the mix of various assets including equity, debt, gold, etc., held in a portfolio is considered one of the key determinants of its performance. A suitable asset allocation is based on one’s investmen

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What kind of mutual funds to look for 5-10 year SIP? Here is what you need to do first

The asset allocation or the mix of various assets including equity, debt, gold, etc. held in a portfolio is considered one of the key determinants of its performance.

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Invest in mutual funds via SIP in current market scenario

Given the strong performance of the equity markets over the last couple of years and the resulting rise in valuations, prospective returns seem to be slighter lower than previous years. In such a scenario, it might be advisab

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Your queries: For long-term SIP, divide allocation between large and mid-cap funds; alternatively go for diversified fund

SIPs allow an investor to deploy the principle of rupee cost averaging to take advantage of market volatility.

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