Value Research Online

The Planner named different funds this year. Keep your SIPs

Mon, 19 Oct 2026 12:01:25 +0530

A fund dropping off a recommended list is not the same as a fund going wrong. Dhirendra Kumar explains what to check before you move an existing SIP to a new name.

Your emergency fund is not part of your 60-40

Mon, 12 Oct 2026 14:43:57 +0530

An emergency fund parked in a debt fund can make your equity-debt split look on target when it is not. Why to set it aside, where to keep it and when a loan helps.

The loan that works for six weeks and fails at six months

Mon, 05 Oct 2026 12:42:29 +0530

A loan against your mutual funds beats selling only if the money returns within weeks. See the costs and tax maths, and why it fails over six months.

Market moves are never a reason to rebalance

Mon, 28 Sep 2026 12:49:25 +0530

The market gives you a reason to rebalance every week. Value Research explains the three real triggers, and why none of them is what the market is doing.

A fixed prize, a growing cost

Mon, 21 Sep 2026 11:29:50 +0530

Spreading a regular to direct switch buys one more Rs 1.25 lakh exemption, worth Rs 15,625. If over Rs 17 lakh stays in regular, a year's extra expense costs more.

Debt funds vs FDs: Same tax rate, very different outcomes

Mon, 14 Sep 2026 10:46:57 +0530

Debt funds and fixed deposits are taxed at the same slab rate since 2023, but an FD pays tax every year while a debt fund defers it. Here is what that gap costs.

Fewer stars, same conviction

Mon, 07 Sep 2026 12:45:16 +0530

A dropped star rating and an unchanged 'Good' opinion can both be right. Here's why ratings move monthly while opinions track a fund's mandate closely.

A new worry in international investing

Mon, 31 Aug 2026 09:51:26 +0530

US policy shifts have raised a new risk for Indian investors abroad: can a government restrict access to markets, currency or assets? Here’s why it matters.

The expensive comfort of staying put

Mon, 24 Aug 2026 14:28:18 +0530

Switching from a regular to a direct mutual fund plan triggers a tax bill. But does staying put really save you money? Here's how to weigh the cost.

The exit that does not need a strategy

Mon, 17 Aug 2026 12:26:55 +0530

Selling a mutual fund you have already decided to quit does not need a phased exit. Here's why STP and SWP can turn a fund switch into a timing bet.

If everyone has AI, who wins?

Mon, 10 Aug 2026 12:52:02 +0530

AI tools can analyse stocks and funds, but if everyone has access to them, they offer little lasting advantage. Here's what can really set investors apart.

The post nobody should have to write

Mon, 03 Aug 2026 11:44:04 +0530

A South Korean investor lost her apartment savings chasing a hot stock. Here's why money needed soon should stay out of equities and thematic bets.

The corpus is not a hoard

Mon, 27 Jul 2026 10:32:01 +0530

Retirement is about turning your corpus into steady income, not protecting every rupee. Learn the three-bucket strategy, SWPs and how to beat inflation.

The tax bill that keeps bad funds alive

Mon, 20 Jul 2026 17:04:40 +0530

The tax on selling a mutual fund feels like a loss because of anchoring. Here is why the bill is smaller than it looks and how to clean up a cluttered portfolio slowly.

The number that wants you scared

Mon, 13 Jul 2026 12:31:28 +0530

A viral post claims SIPs have delivered just 6.7 per cent annual returns over 20 years. Here's what the calculation misses and what SIP returns really show.

The questions behind the thank-yous

Mon, 06 Jul 2026 13:21:40 +0530

Why the Portfolio Planner and Portfolio Analysis can disagree, what the new regular-plan cost numbers really show and where to watch last month's Advisor Live.

What to do with a fund opinion

Mon, 29 Jun 2026 13:19:50 +0530

A fund rating shows whether a fund beats its own benchmark, not whether you should own it. A fund up 100 per cent and one down 20 per cent can both rate well. Here's why.

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.