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Economic Times
a day ago
- Business
- Economic Times
10 money myths that are keeping you from maximising your financial worth
Getty Images This Independence Day, we help you break free of 10 myths that are keeping you from maximising your financial worth. For every person who aspires to a smooth financial journey, there are five who stumble their way through it, frequently hitting roadblocks— running short of their goal corpus, making tax blunders, failing to cover health risks, planning succession poorly, making wrong career decisions, among many others. While ignorance and disinterest are often to blame for financial hiccups, misplaced notions and money myths also frequently serve as poor guides. This Independence Day, we help you break free of 10 myths that are keeping you from maximising your financial worth. Young people don't need health insurance. 'The notion that young people don't need health insurance is outdated. Even those in their 20s and 30s can face sudden health setbacks. Accidents, viral infections and illnesses like Covid don't wait for age to catch up,' says Siddharth Singhal, Head of Health Insurance at Policybazaar. Not to mention the rise in lifestyle diseases and chronic conditions like diabetes and hypertension among youngsters. A cover at an early age also means you can serve out the waiting periods for pre-existing diseases while you're healthy and use it without waiting when you actually need it. Myth #2 Retirees should avoid equity life expectancy means more number of years after retirement and a bigger corpus to sustain it. While debt investments like fixed deposits may seem like a safe bet when there is no income generation, you will need the boost of equity to grow your portfolio to keep up with inflation. 'This is why you need a bucket strategy, wherein a portion of the portfolio that you won't need for at least five years is invested in equity,' says Atul Shinghal, Founder and CEO, Scripbox. So equity as an inflation hedge should be an integral part of your portfolio. Myth #3 You don't need to file income tax returns if you have no tax can avoid filing tax returns only if your taxable income is below the basic exemption limit. 'Under the new tax regime, this limit is Rs.3 lakh, and Rs.2.5 lakh in the old regime for those below 60,' says Amit Maheshwari, Tax Partner, AKM Global. Under the new tax regime, a tax rebate under Section 87A is available for resident individuals with a taxable income of up to Rs.12 lakh (raised from Rs.7 lakh). This rebate is applied to your calculated tax, effectively making your tax liability zero. In the old regime, the rebate is available for taxable incomes up to Rs.5 lakh. This doesn't mean you don't have to file returns. Besides, if you have incurred certain expenses (over Rs.2 lakh in foreign travel, Rs.1 lakh in electricity consumption, etc.), it is mandatory to file returns. Also, if you are eligible for a tax or TDS refund, or have to carry forward losses, you will not be able to claim it without filing returns. Myth #4 Tax gains mean you should not prepay your home the years, home loan repayment has offered significant tax benefits—Rs.2 lakh deduction for interest payment under Section 24B and Rs.1.5 lakh for principal repayment under Section 80C. This has led most people to extend the loan repayment to full term. In the new tax regime, however, these tax benefits can pale in comparison to the total deductions available, especially since last year's Budget changes. After the Section 87A rebate, incomes up to Rs.12 lakh can be tax-free. If you enjoy higher tax benefits in the new regime, you can move out of the old regime, giving up the home loan tax advantage (Section 24B deduction is available only on let-out property in new regime). So if you wish to prepay the loan or reduce its tenure, you can do so and enjoy the mental peace that comes from being debt-free. Myth #5 A single income stream is turmoil in the job market that began a few years ago with Covid and ChatGPT has intensified due to AI disruption and economic uncertainty. While the tech sector has witnessed higher volatility, as seen in the recent mass lay-offs by TCS, job uncertainty has become the norm, calling for a back-up in the form of multiple income streams. 'You are just one company downsizing, accident, or an industry disruption away from financial insecurity. Create a safety net with multiple income streams. Start small. Rent out a room at home. Offer a weekend tuition. Save money from your salary to invest in a dividend-generating fund,' says Devashish Chakravarty, Founder & CEO, a job loss assurance company. Myth #6 Mutual fund investments are funds invest in a combination of securities and asset classes, be it stocks, bonds or money market instruments. As such, they have a certain amount of risk associated with all of these. They are perceived to be low-risk instruments only in comparison to direct stock investments. The fact that they invest in assets that are linked to the market means there is no 'risk-free' mutual fund. 'Even a passive index fund that invests in an index like the BSE Sensex or Nifty has equity risk, while debt funds can face interest rate risk, credit risk and liquidity risk,' says Shinghal of Scripbox. Myth #7 Only old people need to have a a will has little to do with age and more to do with the assets you have. Even if you are young and have built financial assets in your name, or have an inheritance, or digital assets, it is best to write a will so you can be sure these will be passed on to the people you want if something were to happen to you. Besides, you can always alter the will whenever you want. 'Many young adults today financially support both their parents and children. Their sudden demise can leave dependants vulnerable. Also, if a spouse remarries, the original family's future may be compromised. Without a will, distribution becomes chaotic— it's not about age, it's about responsibility,' says Raj Lakhotia, Managing Partner, LABH & Associates. Myth #8 You have to save for your child's years, Indian parents have taken upon themselves the financial responsibility not only of their children's education, but also of their weddings. However, it may not be the best financial decision if the parents are compromising their own retirement by diverting the funds to the wedding, or banking on their children to take care of them in retirement. Sponsoring the kids' education and enabling them to become financially independent adults means the children can save for their own weddings or at least bear the costs partially. Busting this myth can be the difference between financial independence in later life and dependence on children. Myth #9 If you have a financial planner,you don't need to check your investment a financial adviser guides you with investments and achievement of goals, it's still your money and you need to monitor how it is being deployed. 'As an involved investor, it is important to understand and check your portfolio periodically, especially in the context of timesensitive goals,' says Shinghal. So, keep an eye on the asset classes being invested in, market conditions, policy changes, and whether you are on track for your goals. Don't try to micromanage, but know the macros and be aware of the portfolio performance. Myth #10 I don't need to share financial information with my you are taking most financial decisions in the family regarding savings and investments, it's crucial that you share this information with your spouse as well, whether (s)he is earning or a homemaker. In case of an eventuality, the uninformed spouse is often left in the lurch, unable to access funds or at the mercy of relatives or strangers to manage them. It's crucial to keep the spouse in the loop not only about all the investments, but also the account numbers, log-ins and passwords to be able to access these. No trending terms available.
Time of India
a day ago
- Business
- Time of India
10 money myths that are keeping you from maximising your financial worth
Myth #1 Myth #2 Academy Empower your mind, elevate your skills Myth #3 Myth #4 Myth #5 Myth #6 Myth #7 Myth #8 Myth #9 Myth #10 For every person who aspires to a smooth financial journey, there are five who stumble their way through it, frequently hitting roadblocks— running short of their goal corpus, making tax blunders , failing to cover health risks, planning succession poorly, making wrong career decisions, among many others. While ignorance and disinterest are often to blame for financial hiccups , misplaced notions and money myths also frequently serve as poor guides. This Independence Day, we help you break free of 10 myths that are keeping you from maximising your financial worth 'The notion that young people don't need health insurance is outdated. Even those in their 20s and 30s can face sudden health setbacks. Accidents, viral infections and illnesses like Covid don't wait for age to catch up,' says Siddharth Singhal, Head of Health Insurance at Policybazaar. Not to mention the rise in lifestyle diseases and chronic conditions like diabetes and hypertension among youngsters. A cover at an early age also means you can serve out the waiting periods for pre-existing diseases while you're healthy and use it without waiting when you actually need life expectancy means more number of years after retirement and a bigger corpus to sustain it. While debt investments like fixed deposits may seem like a safe bet when there is no income generation, you will need the boost of equity to grow your portfolio to keep up with inflation. 'This is why you need a bucket strategy, wherein a portion of the portfolio that you won't need for at least five years is invested in equity,' says Atul Shinghal, Founder and CEO, Scripbox. So equity as an inflation hedge should be an integral part of your can avoid filing tax returns only if your taxable income is below the basic exemption limit. 'Under the new tax regime, this limit is Rs.3 lakh, and Rs.2.5 lakh in the old regime for those below 60,' says Amit Maheshwari, Tax Partner, AKM Global. Under the new tax regime, a tax rebate under Section 87A is available for resident individuals with a taxable income of up to Rs.12 lakh (raised from Rs.7 lakh). This rebate is applied to your calculated tax, effectively making your tax liability zero. In the old regime, the rebate is available for taxable incomes up to Rs.5 lakh. This doesn't mean you don't have to file returns. Besides, if you have incurred certain expenses (over Rs.2 lakh in foreign travel, Rs.1 lakh in electricity consumption, etc.), it is mandatory to file returns. Also, if you are eligible for a tax or TDS refund, or have to carry forward losses, you will not be able to claim it without filing the years, home loan repayment has offered significant tax benefits—Rs.2 lakh deduction for interest payment under Section 24B and Rs.1.5 lakh for principal repayment under Section 80C. This has led most people to extend the loan repayment to full term. In the new tax regime, however, these tax benefits can pale in comparison to the total deductions available, especially since last year's Budget changes. After the Section 87A rebate, incomes up to Rs.12 lakh can be tax-free. If you enjoy higher tax benefits in the new regime, you can move out of the old regime, giving up the home loan tax advantage (Section 24B deduction is available only on let-out property in new regime). So if you wish to prepay the loan or reduce its tenure, you can do so and enjoy the mental peace that comes from being turmoil in the job market that began a few years ago with Covid and ChatGPT has intensified due to AI disruption and economic uncertainty. While the tech sector has witnessed higher volatility, as seen in the recent mass lay-offs by TCS, job uncertainty has become the norm, calling for a back-up in the form of multiple income streams. 'You are just one company downsizing, accident, or an industry disruption away from financial insecurity. Create a safety net with multiple income streams. Start small. Rent out a room at home. Offer a weekend tuition. Save money from your salary to invest in a dividend-generating fund,' says Devashish Chakravarty, Founder & CEO, a job loss assurance funds invest in a combination of securities and asset classes, be it stocks, bonds or money market instruments. As such, they have a certain amount of risk associated with all of these. They are perceived to be low-risk instruments only in comparison to direct stock investments. The fact that they invest in assets that are linked to the market means there is no 'risk-free' mutual fund. 'Even a passive index fund that invests in an index like the BSE Sensex or Nifty has equity risk, while debt funds can face interest rate risk, credit risk and liquidity risk,' says Shinghal of a will has little to do with age and more to do with the assets you have. Even if you are young and have built financial assets in your name, or have an inheritance, or digital assets, it is best to write a will so you can be sure these will be passed on to the people you want if something were to happen to you. Besides, you can always alter the will whenever you want. 'Many young adults today financially support both their parents and children. Their sudden demise can leave dependants vulnerable. Also, if a spouse remarries, the original family's future may be compromised. Without a will, distribution becomes chaotic— it's not about age, it's about responsibility,' says Raj Lakhotia, Managing Partner, LABH & years, Indian parents have taken upon themselves the financial responsibility not only of their children's education, but also of their weddings. However, it may not be the best financial decision if the parents are compromising their own retirement by diverting the funds to the wedding, or banking on their children to take care of them in retirement. Sponsoring the kids' education and enabling them to become financially independent adults means the children can save for their own weddings or at least bear the costs partially. Busting this myth can be the difference between financial independence in later life and dependence on a financial adviser guides you with investments and achievement of goals, it's still your money and you need to monitor how it is being deployed. 'As an involved investor, it is important to understand and check your portfolio periodically, especially in the context of timesensitive goals,' says Shinghal. So, keep an eye on the asset classes being invested in, market conditions, policy changes, and whether you are on track for your goals. Don't try to micromanage, but know the macros and be aware of the portfolio you are taking most financial decisions in the family regarding savings and investments, it's crucial that you share this information with your spouse as well, whether (s)he is earning or a homemaker. In case of an eventuality, the uninformed spouse is often left in the lurch, unable to access funds or at the mercy of relatives or strangers to manage them. It's crucial to keep the spouse in the loop not only about all the investments, but also the account numbers, log-ins and passwords to be able to access these.
Mint
25-07-2025
- Business
- Mint
IPV Wealth Wise Partner Summit 2025: A Key Event for Wealth Management in India
A Night of Insight, Recognition, and Collaboration On July 19, 2025, Inflection Point Ventures (IPV) welcomed wealth advisors, investors, and industry professionals for the IPV Wealth Wise Partner Summit and Awards 2025 (South Region) at the Taj MG Road in Bengaluru. The event was attended by South India's top wealth advisors and industry stakeholders, who gathered for an evening hosted by Inflection Point Ventures, one of India's largest Angel investing platform with over 24,000 investors from 45+ countries, nearly a $100M investment in more than 280 startups, and 50 successful exits. Atul Shinghal, Founder & CEO, Scripbox, at the IPV Summit 2025. A key aspect of the evening was the recognition of wealth professionals across 10 distinct categories, including Wealth Management firm of the year and Outstanding Client Portfolio and Relationship Management, among others. From several competitive nominations, wealth advisors were recognized and awarded based on parameters such as expanding Assets Under Management (AUM) and Client Portfolio Curation. The summit acknowledged achievements and served as a networking platform - highlighting the role of wealth managers in facilitating strategic investments in India's startup ecosystem. IPV Wealth Wise Partner Summit 2025 Gaurav Nayak (SVP, IPV) began the event with a warm welcome, encouraging attendees to consider the evening an opportunity to develop partnerships and explore investment areas. Small group discussions and live Q&A segments were encouraged to foster engagement and insight. A notable session was the panel discussion on 'Navigating the new age of wealth management,' featuring Atul Shinghal (Founder & CEO, Scripbox),Tushar Agrawal (CIO, Nuvama Wealth)and Rohan Bajaj (Seasoned Angel Investor) moderated by Ankur Mittal, Co-Founder, IPV. Atul Shinghal highlighted how digital platforms are reshaping investor behavior, with clients increasingly exploring options beyond traditional mutual funds and bonds. Tushar Agrawal built on this by stressing the importance of focusing on overall portfolio strategy rather than individual products—encouraging investors to diversify with high-risk, high-return asset classes like startups. Rohan Bajaj, an investor in companies such as OpenAI and Nutanix, added that allocating a portion of wealth to startups not only enhances portfolio diversity but also provides exposure to innovation and the potential for outsized returns. Wealth advisors, investors, and industry professionals for the IPV Wealth Wise Partner Summit and Awards 2025. The summit acknowledged performance in relationship and portfolio management, recognising professionals who combine integrity with innovation. Emerging startup success stories provided inspiration, illustrating how collaboration contributes to India's startup ecosystem. IPV's Role in Portfolio Transformation In his keynote, Vinay Bansal (CEO & Founder, IPV) explained how IPV's platform aims to provide access to startup investing, managing risk and consistently delivering results over past several years since its inception by providing best in class portfolio returns, allowing wealth managers to integrate growth opportunities alongside traditional assets. To learn more about becoming a partner, click the following : 'Today, advisors can offer clients vetted startup deals with the same rigor as equity or debt,' he explained. By curating high-conviction startup deals and delivering successful exits in the past year, IPV enabled advisors to potentially spread risk across uncorrelated assets and aim for market returns. Informal Learning and Connections Following the knowledge sharing sessions, guests attended a gala dinner. Discussions, brainstorming, and new connections continued into the evening, reflecting the summit's focus on engagement. The Future of Wealth Management As India's wealth sector continues to grow at a projected 12–15% CAGR, this summit suggested that integrating startup investments can benefit both client portfolios and professional practice. The IPV Wealth Wise Partner Summit aims to set a standard, suggesting that the industry's evolution involves combining traditional expertise with innovative opportunities. To learn more about becoming a member, click the following: Disclaimer: You acknowledge and agree that you shall be subjected to the policies that are applicable to the Platform and by mere use of the Platform, You shall be contracting with IPV and these terms and conditions including the policies constitute Your binding obligations, with IPV. Note to the Reader: This article is part of Mint's promotional consumer connect initiative and is independently created by the brand. Mint assumes no editorial responsibility for the content.
Economic Times
05-06-2025
- Business
- Economic Times
Nippon India Taiwan Equity Fund tops return chart with 22% in May. Can the momentum sustain?
Short-term rallies tend to be volatile and unsustainable as they are often event-driven. Nippon India Taiwan Equity Fund emerged as the top performer among all equity funds — including sectoral and thematic — in May, delivering a return of 21.69%. This was out of a universe of approximately 558 funds during the period. Experts attribute this performance to a sharp rally in Taiwanese technology and semiconductor stocks, which benefited from strong global demand for electronics. Also Read | NFO Insight: Nippon Income Plus Arbitrage Active FoF opens. Is it time to add this emerging category to your portfolio? 'Over the past few months, international markets have experienced increased volatility, largely driven by country-specific events. In China, the announcement of a major stimulus package in late September 2024 sparked a sharp market rally. Similarly, in the U.S., post-election speculations, tariff wars, trade deals, etc. ,increased market activity,' Chirag Muni, Executive Director, Anand Rathi Wealth Limited, shared with to Chirag Muni, short-term rallies tend to be volatile and unsustainable as they are often event-driven. Over the long term, Indian markets have outperformed international funds, offering higher return potential and a broader range of investment categories."Indian markets offer easier access to data and are simpler to track, making them more suitable for investors. Given the complexity of global markets, well-diversified domestic funds remain the better choice for investors,' he added. Another expert highlights four key factors influencing a fund's performance: returns relative to the underlying index, currency movements, the performance of the Indian rupee against the U.S. dollar, and the fund manager's value addition. There is a high correlation of Taiwan stocks with the US Nasdaq Composite index as TAIEX's 50–60% weightage is in semiconductors and electronics (e.g., TSMC, Hon Hai), aligning closely with the Nasdaq's tech-heavy composition, he added. 'Both indices are highly sensitive to global chip demand and U.S. tech sentiment, amplifying their correlation. For the month of May, Nasdaq gained 9.56%, which led to accelerated gains in Taiwan-based technology companies in the portfolio,' Atul Shinghal, Founder and CEO, Scripbox, shared with ETMutualFunds. As per the last data available, Nippon India Taiwan Equity Fund had an AUM of Rs 276 crore as on April 30, 2025. Launched in December 2021, the scheme is managed by Kinjal primary investment objective of Nippon India Taiwan Equity Fund is to provide long-term capital appreciation to investors by primarily investing in equity and equity-related securities of companies listed on the recognised stock exchanges of Taiwan, and the secondary objective is to generate consistent returns by investing in debt and money market securities of were around 65 international funds in the mentioned time period, of which 11 offered double-digit returns, 52 offered single-digit returns, and only two gave negative returns. Also Read | Should you consider starting SIP or lumpsum in a momentum index fund right now? Invesco India - Invesco Global Consumer Trends FoF offered the second highest return of around 15.70%, followed by DSP US Flexible Equity FoF and Edelweiss US Technology Equity FOF, which gave 13.90% and 12.09% returns respectively in the double-digit performers, the last five were Nasdaq-based funds, which gave returns ranging from 10.25% to 11.47% in looking at the performance of these international funds, Chirag Muni advises that investors should avoid reacting to short-term trends and instead focus on fundamentals and long-term growth, as over the longer horizon, Indian markets have delivered stronger the other hand, Shinghal believes that the technology sector, as represented by the Nasdaq Composite Index, remains the main driver for the performance of Taiwanese Stocks, and the outlook for the technology sector remains positive in the long run as current and future innovations are either driven or enabled by this sector. In the current calendar year so far, international funds have offered up to 29% return with Edelweiss Europe Dynamic Equity Offshore Fund being the top performer with 29.12% return in 2025 so far. Mirae Asset Hang Seng TECH ETF FoF has given a 20.17% return in the current calendar year so far. In 2025 so far, Nippon India Taiwan Equity Fund has offered a negative return of 3.47%. Shinghal of Scripbox believes that global equities outside the U.S. and India are currently trading at more attractive valuations. Historically, non-U.S. markets have outperformed during periods of U.S. dollar weakness. 'Hence, International Funds (especially Non-US) should get allocation in an Investor's portfolio depending on risk appetite,' he the expert from Anand Rathi Wealth Limited firmly recommends not to invest in international funds, but if one looks for global diversification in the portfolio, can explore only upto 5 -10% of the overall portfolio, however it is important to look at the risk adjusted return potential of the respective country before investing. 'Investors can consider investing across the range of domestic diversified equity funds to get exposure across the range of categories and sectors to generate good alpha and returns in the long term,' Chirag should always consider their risk appetite, investment horizon and goals before making any investment decision. ( Disclaimer : Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times) If you have any mutual fund queries, message on ET Mutual Funds on Facebook/Twitter. We will get it answered by our panel of experts. Do share your questions on ETMFqueries@ alongwith your age, risk profile, and twitter handle
Economic Times
28-05-2025
- Business
- Economic Times
Defence sector based mutual funds rally up to 60% in 3 months. Will the momentum continue?
Defence sector based mutual funds have rallied upto 60% in the last three months. There are around six funds in the category including active and passive and gave an average return of 57.70% in the same period. Three schemes in the category gave over 60% return. Motilal Oswal Nifty India Defence ETF offered the highest return of around 60.49% in the last three months, followed by Motilal Oswal Nifty India Defence Index Fund which gave 60.23% return in the same period. Also Read | Defence ETFs gain 17% in one week. Should you add to your portfolio? Groww Nifty India Defence ETF and Aditya Birla SL Nifty India Defence Index Fund gave 60.12% and 59.96% returns respectively in the similar time period. Groww Nifty India Defence ETF FOF gave 59.45% return in the mentioned time period. HDFC Defence Fund, the only active fund based on the defence sector, delivered 45.93% return in the mentioned period. Experts attribute this surge to a combination of strong earnings delivery by the sector constituents, policy momentum with increased capital allocation by the Indian government and trigger coming from actual use case of India's Defence Capability in recent India-Pakistan faceoff at borders.'Key holdings in defence index funds reported strong earnings growth. The Indian defence budget allocation for FY25 has maintained a sharp focus on indigenization. Capital outlay of Rs 1.72 lakh crore continues to support new orders. Defence exports reached an all-time high of Rs 21,083 crore in FY24 (up 12% YoY), reflecting rising global demand for Indian defense manufacturing. This surge in earnings, coupled with a policy push and a favorable geopolitical backdrop, led to substantial price rerating and fund outperformance,' said Atul Shinghal, Founder and CEO, Scripbox. In addition to these factors, another expert adds that Defence funds have benefited from the recent surge in prices of defence stocks. Defence stocks have been on the rise in recent months after they were hit badly during the sell-off earlier this year. 'Many countries around the world, including India are ramping up their military capabilities, leading to increased defence spending. In India, this trend was further strengthened post the Operation Sindoor, as the Indian government plans to further improve our defence capabilities,' said Nilesh D Naik, Head of Business – Investments, the last six months, defence based passive funds returned 34% with Motilal Oswal Nifty India Defence ETF being the topper as the fund delivered 34.22% return in the last six months, followed by Motilal Oswal Nifty India Defence Index Fund which gained 33.73% in the same Nifty India Defence ETF FOF gave 33.35% in the last six months. HDFC Defence Fund, the only active fund based on this sector, gave 15.86% return in the same period. Also Read | HDFC Defence Fund increases stake in HAL, Solar Industries, and 4 other stocks in April Despite seeing the historical stellar performance by these funds, experts don't recommend investing in these sectoral funds. Shinghal of Scripbox mentions that despite strong sector fundamentals, current valuations are stretched as the trailing P/E ratio of the Motilal Oswal Nifty India Defense Index stands at a steep 61.35x, while the P/B ratio is 13.22x—significantly higher than broader market averages. which in turn indicates that the future growth might be already priced further adds that the Sharpe Ratio is negative (-0.07), indicating poor risk-adjusted return over recent volatility, despite high absolute returns and the index has 77.5% exposure to mid and small caps, which increases vulnerability to sharp corrections during risk-off sentiment willing to allocate or have existing investments in these funds can follow the strategy Shinghal shared. He mentioned that existing investors should hold and consider profit booking in a staggered manner, new investors should avoid fresh lump-sum allocations and tactical SIPs may be considered only on 10–15% corrections, and lastly the total allocation to defence sector should be between 2-4% and should not exceed 4% of total equity the other hand, Naik advices that thematic funds such as this are typically meant for seasoned investors who have their core portfolio in place and who want to take a tactical bet based on their views on a specific sector or theme. 'With recent rally in defence stocks, many of them have now recovered significantly and are trading at close to their all time highs. While the long term defence sector story seems strong, investors should be extremely cautious while investing in such funds post this rally, given the current valuations,' he earlier analysed that in a week's time, defence sector based ETFs have gained upto 17% in one week's time. The focus on defence stocks came after reports that the Modi government has called a meeting with defence makers post the recent India-Pakistan faceoff at the stellar performance of defence funds, Shinghal comments on the outlook for the sector and mentions that while India's long-term defense growth story is intact, current valuations do not offer a favorable risk-reward for fresh allocations and investors are advised to retain moderate exposure (up to 4%), book profits where returns have exceeded expectations, and re-enter during valuation corrections or policy-driven should always choose a scheme based on risk appetite, investment horizon, and goals. (Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times) If you have any mutual fund queries, message on ET Mutual Funds on Facebook/Twitter. We will get it answered by our panel of experts. Do share your questions on ETMFqueries@ alongwith your age, risk profile, and Twitter handle.
