Value Research Online

How to invest over Rs 50,000 a month in mutual funds

Fri, 11 Mar 2022 07:00:00 +0530

More than Rs 50,000 a month does not mean more funds. Here is why three to four equity funds are enough and how to think about flexi-cap, multi-cap and small-cap splits.

Did your IDCW payout actually add to your wealth?

Thu, 25 Jun 2026 19:00:02 +0530

When a fund pays IDCW, the NAV falls by exactly the same amount. The payout does not make you wealthier. Here is what IDCW actually is and when it makes sense to use it.

Is buying on dips actually better than a monthly SIP?

Wed, 24 Jun 2026 17:54:29 +0530

Perfect market timing beats a monthly SIP by just 0.2 percentage points a year over 30 years. Here is why the effort of watching dips buys you almost nothing extra.

Is it wise to invest in an NFO?

Wed, 12 Mar 2025 15:41:40 +0530

NFOs often generate buzz but rarely offer true innovation. Before investing, determine if the fund offers something new, meets your financial needs or competes with well-established funds.

Can I get physical gold in exchange for SGBs?

Wed, 19 Apr 2023 08:50:46 +0530

Let’s clarify whether investors can claim physical gold upon maturity of their sovereign gold bonds

How are debt funds purchased before 2023 taxed?

Tue, 19 Nov 2024 09:39:29 +0530

Discover how debt funds bought before 2023 are taxed, the impact of recent tax changes, and when you can still claim the indexation benefit.

What is the difference between an ETF and an FoF?

Tue, 24 Sep 2019 09:05:41 +0530

Dhirendra Kumar highlights the pros and cons of investing in an exchange-traded fund and a fund of fund

The ideal large-, mid- and small-cap fund mix

Thu, 06 Jul 2017 12:36:08 +0530

Dhirendra Kumar breaks down what would be a suitable mutual fund portfolio allocation

Your idle ₹1 lakh deserves better than a savings account

Wed, 03 Jun 2026 19:37:33 +0530

Savings accounts barely beat inflation. A three-layer approach using liquid funds and short-duration debt funds can earn 6-7 per cent with similar liquidity and lower tax.

Short-term investor? Here's why you should skip SIFs

Mon, 01 Jun 2026 09:00:00 +0530

SIFs allow hedge-fund strategies from Rs 10 lakh, but redemptions can take 15 days and lock-ins apply. For short horizons, the liquidity risk outweighs the appeal.

Debt funds or fixed deposits: Where to park your money?

Tue, 01 Oct 2024 09:41:54 +0530

We compare debt funds and FDs in terms of tax, liquidity, and returns to find the smarter choice between the two.

Can you redeem ELSS before three years?

Thu, 19 Jan 2023 18:09:19 +0530

Let’s understand the redemption case when it comes to ELSS mutual funds and see if ELSS can be redeemed before three years.

Can a small-cap fund get too big for its own good?

Wed, 08 Jan 2025 13:02:39 +0530

Large small-cap funds struggle to take high-conviction positions in thinly traded stocks. Here is what happens as AUM grows and what investors should actually watch for.

How to pick a fund without being fooled by past returns?

Thu, 14 Nov 2024 13:43:35 +0530

We see how to look for mutual funds beyond past performance. Expert checklist for evaluating fund consistency, manager track record, and market resilience.

Why most investors should choose multi-cap funds

Wed, 25 Jul 2018 10:00:00 +0530

Dhirendra Kumar says why a regular investor should choose multi-cap funds over the other options

Planning to invest in SCSS? Here's the maximum you can put

Mon, 24 Mar 2025 18:30:43 +0530

The SCSS limit is Rs 30 lakh per individual, raised from Rs 15 lakh in 2023. A senior couple can invest up to Rs 60 lakh combined and earn Rs 41,000 a month guaranteed.

Should you exit a mutual fund after two bad years?

Wed, 05 Apr 2023 12:05:22 +0530

Two bad years may not mean a bad fund. Here is how to tell if your fund is genuinely underperforming its peers, when to wait it out and when to finally exit.

4 steps to know if your mutual funds are working for you

Mon, 09 Mar 2026 18:00:00 +0530

Last year's returns tell you almost nothing. Here is a four-step framework covering rolling returns, risk ratios, expense ratio and portfolio drift to judge any fund.

How to double your money in five years

Mon, 13 May 2024 19:09:55 +0530

Doubling money in five years needs 15 per cent annual returns, a stretch for most. Here is how a retiring investor should actually split equity and debt to grow their corpus.

Investing Rs 40,000 a month for the long haul? Here's how

Mon, 18 May 2026 16:44:54 +0530

High risk appetite and a long horizon? Allocate 80-85 per cent to equities across large-, mid- and small-cap funds. Here's how to split Rs 40,000 a month through SIPs.