SHORT TERM PLANS
Best medium duration mutual funds to invest in November 2024
As per Sebi mandate, medium duration funds must invest in debt and money market instruments with Macaulay duration of three to four years. As you can see, medium duration funds are suitable for investors looking to invest for three to four years or more. However, you should check the portfolio duration of the scheme to ensure that the scheme is in line with your investment horizon.
Delhi's winter peak power demand also expected to break record, likely to surpass 6300 MW
Delhi anticipates record-breaking winter power demand, exceeding 6300 MW, following a historic summer peak. BSES discoms are implementing strategic power planning and utilizing over 2000 MW of renewable energy to meet the increased demand and ensure reliable power supply to over 50 lakh consumers.
Retirement planning: Can you retire with Rs 10 crore corpus in your early 50s? Here's what experts say
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
What is the tax treatment for hybrid mutual funds?
?Most hybrid fund categories mentioned above are treated as equity funds for taxation. This means if the units are held for less than a year, the investor pays a short-term capital gains tax of 15%, while if held for more than a year, investors pay a long-term capital gains tax of 10% only.
Looking for predictable returns in fluctuating interest rate market? Check out target maturity funds
Target maturity funds (TMFs) are gaining popularity in 2024 as investors seek predictable returns in a fluctuating interest rate market. TMFs, often holding govt securities, offer lower credit risk and tax efficiency. Experts recommend aligning investment horizons with the fund's maturity for optimal results. These funds are particularly attractive to conservative investors seeking stable yields.
Trump prepares wide-ranging energy plan to boost gas exports, oil drilling, sources say
Donald Trump's incoming administration is poised to prioritize energy production through expedited approvals for LNG projects, increased offshore and federal land drilling, and repealing climate regulations. This aggressive energy agenda, including reviving the Keystone Pipeline and challenging the International Energy Agency, aims to boost domestic oil and gas output, marking a sharp departure from Biden's policies.
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Retirement planning: How to invest to get Rs 1.75 lakh per month after retirement
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Vikash Kumar Jain sees short-term rally in India despite geopolitical and macro challenges
The discussion is more about whether this is the right entry point or there is more that we could see to get a better entry point, I think that is really what the discussion has moved to.
MF Query: How to deploy Rs 15 lakh lump sum investment in current market conditions
Given the current volatility and instability in equity markets, SIP is the ideal strategy for mutual fund investments. For a Rs 15 lakh lump sum, it's advisable to park the funds in a liquid or ultra-short-term fund and set up a Systematic Transfer Plan (STP) to a small-cap fund. This approach will help benefit from rupee cost averaging while navigating market fluctuations.
Invest smart, start early: A guide for young entrepreneurs on building a strong investment portfolio
Young entrepreneurs are discovering the benefits of mutual funds for long-term financial success. Starting early, diversifying investments, and using systematic investment plans (SIPs) are highlighted as key strategies.
India¡¯s urban planning should shift from a myopic to a surplus mindset: Chairman Emeritus of DLF
KP Singh, Chairman Emeritus of DLF, emphasizes the urgent need for India to prioritize urban infrastructure. He expresses concern over poor air quality and traffic congestion, highlighting the gap between India's economic growth and its urban planning. Singh advocates for a shift to a surplus mindset in urban planning, urging for collaboration between the private and public sectors.
Canada may no longer give tourists long-term visas; instead switch to Schengen-like short term visas
In a significant policy change, Canada has moved away from its long-standing practice of issuing long-term multiple-entry visas, similar to the US system, and will now follow a more subjective approach akin to the Schengen visa system. This means Canadian visas will be granted based on the discretion of consular officers, with no guaranteed multiple-entry option or fixed long-term validity.
Explainer: What is exit load in mutual funds
Exit loads are fees charged by mutual fund companies when units are redeemed before a specified period. Aimed at deterring short-term trading and encouraging long-term investments, exit loads protect fund stability and performance. Calculation involves a percentage of the redemption amount and depends on the investment holding period.
Bridge the gap: Hero FinCorp short-term loans for immediate needs
Hero FinCorp offers short-term personal loans up to Rs 5 Lakh for various needs such as medical emergencies, wedding expenses, education costs, home repairs, and instant travel. The loan app provides instant approval, competitive interest rates, low processing fees, and flexible repayment terms with simple eligibility criteria, ensuring a quick and hassle-free borrowing experience.
Investment planning: Switch out of equity funds for short-term goal, review investments at least once in a year
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
Investing the Gandhian way: Principles for a better financial future
Six Gandhian principles like self-reliance, goal-focused investing, disciplined SIPs, patience, non-violence, and fostering financial inclusion can guide investors to achieve long-term financial stability and growth.
Best medium duration mutual funds to invest in September 2024
Most mutual fund investors stick to liquid funds, ultra short term funds, short term funds, banking & PSU funds, corporate funds, etc. to take care of their short-term needs. Most of them might know about gilt funds. Even though they may not invest in them.
PBOC cuts short-term rate ahead of briefing
The decision to lower the 14-day reverse repurchase rate to 1.85% from 1.95% came ahead of the National Day Holiday that will last seven days from October 1. The People's Bank of China (PBOC) typically offers 14-day loans ahead of long break. The last time it provided such lending was in February ahead of the week-long Lunar New Year break. The central bank also injected 74.5 billion yuan ($10.6 billion) of liquidity into the banking system via the tool, it said.
Trump's goal of mass deportations fell short, But he has new plans for second term
Donald Trump has detailed plans for mass deportations if re-elected, including invoking wartime powers and using the military. His past presidency showed a gap between ambitions and realities, but new strategies and more Trump-appointed judges could change that. Legal and logistical challenges remain significant, raising questions about feasibility and impact on communities.
The right investing strategy for a short-term financial goal
What might work for her are hybrid investment choices, such as funds with a mix of equity and debt. These could include balanced, dynamic, or debt funds with an equity component.
Smallcaps: Stay bullish as party may continue, but do check some critical points: 5 stocks from different sectors for long-term investors
As a principle of investing, don't look at short term movement of indices to decide whether to invest in a particular stock or not. It is the underlying business which matters. There is a possibility that the party on the street might continue, with the usual phase of profit booking at regular intervals. So, one can be bullish, but take into account the fact that valuations are not cheap, so have more stringent parameters when looking at small cap stocks and also have a long term outlook.
'Short-term pain, long-term gain': UK PM Starmer prepares Nation for tough October budget
British Prime Minister Keir Starmer delivered his first significant speech since taking office, warning of a challenging October budget due to the country's severe financial situation. He emphasized the need for difficult choices to rebuild the nation's foundations, even at the cost of short-term pain. Starmer committed to an action-oriented approach, promising to safeguard taxpayers' money and focus on long-term benefits. He also addressed recent far-right riots, attributing them to divisive populism, and called for national unity to address deep-rooted issues.
How to deploy Rs 2 crore inheritance to meet child education expenses & retirement goals
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Companies cautious on short-term hiring, but overall outlook stays upbeat
Employers in India are showing caution in short-term hiring for the July-September quarter, with a net employment outlook of 30%, six percentage points lower than the current quarter and the same period last year. While 48% of employers plan to hire more people, 18% expect a decrease in hiring or have no plans to hire. The most optimistic sectors are finance and real estate, healthcare and life sciences, and IT, while communication services and transport, logistics, and automotive are less optimistic.
Best short duration mutual funds to invest in May 2024
There is no change in the list. All recommended schemes have performed well. Follow our monthly updates to keep track of the performance of your schemes.
How does an investor benefit by using STP?
To start an STP, you need to put in a lump sum amount in a debt scheme (liquid or ultra-short-term fund) and transfer a predefined amount into another scheme, typically an equity fund.
What is the advantage of borrowing against mutual fund units?
Borrow against equity or hybrid mutual fund units for immediate liquidity at 9-11% interest rates. Advantages include short-term monetary support without selling units, maintaining financial plan, and quick capital raise. Apply online through NBFC websites for a paperless process.
How increasing earning and wealth have made personal financial decisions truly 'personal'
In the new world of wide economic opportunity, we are more equals than before. Anyone can become rich. But we have not made that transition. We remain somewhat feudalistic in orientation, hero-worshipping at heart, and accept entitled behaviours without much protest. This translates into negative outcomes with respect to money.
How to plan your investments to achieve your short-and long-term goals
You should consider the returns generated by a financial product to determine its suitability for a goal. The returns from some investments, such as those tied to equity, may exhibit significant short-term fluctuations, but offer favourable returns over extended holding periods.
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