Value Research Online

A view on every fund you own

Mon, 22 Jun 2026 15:19:43 +0530

Fund Advisor now covers every fund you hold, not just the ones on our list. Here is how the framework works and why most opinions will tell you to do nothing.

50 funds need not be 50 problems

Mon, 15 Jun 2026 11:57:14 +0530

Held 50 mutual funds after 25 years of SIPs? Most are duplicate bets. Redirect fresh SIPs and use the annual capital gains exemption to consolidate at little tax.

International funds: 12 open. Only 4 are worth holding

Mon, 08 Jun 2026 13:23:09 +0530

SEBI's overseas cap has closed most international funds. Of the 12 still accepting money, four have beaten the BSE 500. Here are the funds and their SIP limits.

Half the job is saying no

Mon, 01 Jun 2026 13:21:17 +0530

Mutual fund PMS charges up to 2.5 per cent annually, triggers capital gains tax on every rebalance, and keeps 20 per cent of your upside. Here is why a direct-plan portfolio beats it.

A realistic note for uncertain times

Mon, 25 May 2026 13:59:30 +0530

When markets are turbulent, a confident forecast is the least useful thing an advisor can offer. Here is why staying with SIPs and honest uncertainty beats prediction.

Two stories. One signal

Mon, 18 May 2026 12:46:21 +0530

The war in West Asia and the PM's import-reduction appeals are the same story: a draining dollar pile weakening the rupee. Here is what to hold, what to expect and what to ignore.

The restaurant critic who tells you to cook at home

Mon, 11 May 2026 15:10:58 +0530

Large-cap active funds now rarely beat the index. But in mid- and small-cap categories, skilled managers still add value. Here is how to get the right mix for your portfolio.

The most expensive feeling in investing

Mon, 04 May 2026 15:03:15 +0530

SEBI's overseas cap pauses inflows, not redemptions. Your existing units are safe. Here is the right allocation for international funds and why the deadline fear is the real trap.

Your fund trailed its benchmark. Now what?

Mon, 27 Apr 2026 14:25:41 +0530

Not all fund underperformance is the same. Cyclical, structural and closet-index lag require different responses. Here's the checklist for reading which kind you are dealing with.

The one thing your portfolio cannot do for you

Mon, 20 Apr 2026 14:28:22 +0530

A careful investor of 30 years left no record of where his portfolio was. His family is still searching. Here is the two-part solution that protects everything you have built.

When the world is in chaos, your plan shouldn't

Mon, 06 Apr 2026 13:05:30 +0530

Gold is falling despite a war; Indian markets look cheap but dangerous. The right response depends not on headlines but on how long your money can stay invested.

I was wrong about gold. Here's what I've learned.

Mon, 16 Mar 2026 11:12:11 +0530

After years of dismissing gold, a veteran investor revisits the case for owning 5-10 per cent gold as portfolio insurance in a riskier world. We dig deeper.

Is your fund distributor a 15% partner in your wealth?

Mon, 09 Mar 2026 11:50:50 +0530

Regular mutual fund plans can quietly take 10-20 per cent of your lifetime wealth through commissions. Here’s why it’s worth switching to direct plans.

When fear feels logical

Tue, 24 Feb 2026 10:52:12 +0530

Technology funds are under pressure amid fears of AI-led disruption. Before exiting, assess your technology exposure and rebalance thoughtfully, not emotionally.

Why 'Hold' feels stuck and why we're slow to pull trigger

Mon, 16 Feb 2026 15:14:42 +0530

Hold isn’t hesitation. It avoids unnecessary exit tax while you reduce fund concentration gradually. Here’s when ‘Hold’ becomes ‘Sell’ and why patience pays.

Does your EPF count in your debt allocation? Yes.

Mon, 09 Feb 2026 12:04:18 +0530

EPF is your largest fixed-income asset. Here’s why it should belong in your debt allocation and how to add it manually in the Value Research portfolio tracker.

Silver mirage

Tue, 27 Jan 2026 11:52:27 +0530

Silver often surges after long dull phases, but most investors join late. This piece explains timing traps, ETF behaviour and how to hold silver sensibly today.

The Scott Adams test: Why boring advice still wins

Mon, 19 Jan 2026 15:18:20 +0530

Scott Adams’ quiet checklist cuts personal finance down to essentials. This piece explains why restraint, simplicity and doing less often matter more for investors.

Retirement is an accumulation problem

Mon, 12 Jan 2026 13:15:01 +0530

Retirement is not a withdrawal problem. It is an accumulation problem. Here’s why starting late is the biggest risk, rather than not picking the perfect fund.

The Mercedes investor's SIP confusion

Mon, 05 Jan 2026 11:59:42 +0530

SIPs aren’t for small investors alone. Even with crores to invest, systematic investing helps manage timing risk, behaviour and market uncertainty.