I lost my job because of Covid and my portfolio is down 23 per cent. What should I do now?

Assess your asset allocation to see if your investments can help you withdraw the income required, advises Dhirendra Kumar

Accumulating enough to retire

Contrary to popular belief, big retirement targets are easily attainable. We give you a comprehensive roadmap

Is it a good idea to invest in BHARAT Bond FOF - April 2031?

If you are a long-term fixed-income investor, it might be a good investment option, suggests Dhirendra Kumar

Stumble and get up to learn

Investors learn best from their own experiences, but need to be shielded from some

What should be my allocation to gold and international funds?

Consider gold only as insurance to your portfolio, advises Dhirendra Kumar

Is it safe to invest in funds having a small asset size?

Funds with a small asset base could be good, but a good fund is the one that has proven itself over a complete market cycle, advises Dhirendra Kumar

Where should I invest for my 75-year-old mother?

It depends on whether or not your mother needs any income from that money, tells Dhirendra Kumar

How many funds should I have within each category?

A combination of four-five funds from various categories should suffice the need of most investors, suggests Dhirendra Kumar

The years roll by

While the world has changed, the basic principles of investing still hold true

Is the upward trend seen in the markets sustainable?

Reasons behind the present market rally are not good enough to support the market in the long run, says Dhirendra Kumar

Recognising when it's time to sell that fund

Learn how to read the signs that it may be time to sell your investments in a mutual fund

Please recommend some alternatives to gilt funds

Consider more conservative options like accrual funds with top ratings in the underlying, says Dhirendra Kumar

Should I invest in Best Buys Now stocks by following an SIP approach?

Invest for a long horizon and stay abreast of updates of VR Stock Advisor, suggests Dhirendra Kumar

Investing in dynamic asset allocation funds

I believe in those funds that follow a disciplined asset allocation mechanism than ones that depend on the market calls taken by fund managers, says Dhirendra Kumar

A plan for an IT professional with dependents

Despite having financial dependents and liabilities, Kabir doesn't have a life cover. He must buy one on priority

Fat heads and thin tails

Investors need to pay more attention to the proportion of various funds in their portfolios

Is it a good time to invest in technology funds?

Driven by innovation, technology companies can do well in the long term. Invest in these companies through index funds, suggests Dhirendra Kumar

I missed the March market crash. What would I do now?

Devise a plan that suits your requirements, write it down and follow it rigorously, suggests Dhirendra Kumar

My small- and mid-cap funds are causing stress. What should I do?

Move it to multi caps at once, as you should not lose your peace of mind over investments, suggests Dhirendra Kumar

A comparison between a gold Fund and a gold ETF

SGBs are the finest alternative to have gold in your portfolio, says Dhirendra Kumar

Why is the AUM of Motilal Oswal Nasdaq Funds so low?

The ETF has liquidity issues but the FoF is a convenient vehicle for long-term investors and it is seeing a steady rise in AUM, explains Dhirendra Kumar

How much of my portfolio should I invest in stocks?

While there is no specific limit on what percentage of your portfolio should be in stocks, invest in it only if you can invest your time to be on top of your stocks, advises Dhirendra Kumar

Cool heads and high returns

All equity crashes set the foundations of high returns for those who refuse to panic.

Should I invest in Sovereign Gold Bonds?

Dhirendra Kumar sheds light on SGBs as an investment option

I no longer need ELSS for tax saving. Where should I invest instead?

Invest in two-three good multi-cap funds, advises Dhirendra Kumar

How should I address the decline in the value of my holdings in 15-20 schemes?

Consolidate your portfolio irrespective of its current value but consider exit load and short-term gain liabilities while consolidating, suggests Dhirendra Kumar

Increase your SIP amount periodically

With top-up or step-up facility, you can increase your investment in an ongoing SIP

How to build a portfolio

Having a separate portfolio for each financial goal gives you the best chance of fulfilling them. Here's how you can build such portfolios

'I am continuing with my SIPs in spite of the fall'

The fall in the market due to the outbreak of the pandemic did not discourage Ramesh. Here is what gives him confidence.

No time for wishful thinking

Investors should stay focussed on the real and pay no attention to the false optimism