Latest news with #Minocha
Time of India
5 days ago
- Business
- Time of India
Mutual fund houses launch over 100 passive funds in 2025. Will Sebi's new rules shift the trend?
Live Events With mutual fund houses launching over 100 passive funds compared to fewer active ones, experts say fund houses see greater growth potential in passive offerings because under current guidelines, only one active fund per category is allowed, while multiple passive funds can be launched — a rule that may change going forward'While passive investment is getting popular, the surge in launches is more AMC-driven rather than from a pure investor preference change. Many times passive funds are advertised as cheaper than active funds, but if active funds are providing higher returns than passive funds, then the difference is still justified as long as the alpha is higher than the savings in expenses,' Rajesh Minocha, a Certified Financial Planner (CFP), Founder of Financial Radiance shared with on July 22, 2025, mutual funds have launched 162 mutual funds of which around 106 were passive funds whereas 56 were active funds. Out of 106 passive funds, there were 53 index funds , 30 ETFs , 21 fund of funds investing domestically, and two debt oriented passive funds.A further deep dive in the data should, Groww Mutual Fund has launched 15 passive funds followed by Kotak Mutual Fund which has launched 13 passive to a report by ETBureau, passive funds tend to shine when markets are efficient and opportunities for stock-picking are scarce. Their low costs give them an edge, but the real kicker comes when market rallies are driven by a handful of heavyweight stocks—think narrow leadership—leaving active fund managers struggling to keep pace, especially when stretched valuations make selective bets goal of an active fund is to outperform a specific benchmark index through strategic investments and market timing. On the other hand, passive funds, also known as index funds, aim to replicate the performance of a specific market index. Instead of trying to outperform the market, passive funds seek to match the returns of the benchmark with fund houses focusing more on passive funds, is this rise a signal that market valuations are making active outperformance more difficult? To this Minocha answers that things are moving towards passive investing in the large cap space mainly because active managers find it very difficult to constantly outperform the index and tend to mirror the index when adjusted for higher TERs.'In mid-and small-cap areas, however, a good fund manager would be able to add alpha because of low market efficiency. A mix of these two strategies works well depending on one's asset allocation and risk appetite,' he market regulator, Sebi , recently proposed to review the categorisation of mutual fund schemes to improve clarity, introduce new schemes and to address the issue of overlap in portfolios of the active funds, there were different proposals based on categories, however for passive funds, the key three proposals were - should MFs be allowed to offer solutions oriented life cycle fund of funds with a target date in the structure?. Secondly, should mutual funds be allowed to offer solution oriented life cycle fund of funds, with a lock in, for other specific goals such as housing, marriage etc?. And lastly, should mutual funds be allowed to offer solutions oriented life cycle fund of funds with different lock-in period such as 3 years, 5 years or 10 years?Sebi has asked for comments/ suggestions to be submitted latest by August 8. If these proposals are accepted, what benefit will active and passive funds have post this?The expert commented that the intent of SEBI is good in rationalising fund offerings, but careful implementation is active funds, Minocha said that the AMCs which have extremely high AUM are able to manage very well without needing a second scheme and an additional launch of funds in the same category could confuse or hurt the morale of existing investors.'The Target Maturity FoF whereby shifting from equity to debt over time may look attractive, but the taxation-as-per-slab-on-maturity perspective may really hurt the long-term investor in the higher tax brackets,' Minocha decision between active and passive funds depends on your investment goals, risk tolerance, and preference for management style. Therefore, one should always consider risk appetite, investment horizon, and goal before making an investment decision.: 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.
Time of India
7 days ago
- Business
- Time of India
Project delayed, Rera tells builder to refund Rs 39 lakh to homebuyer in Gurgaon
Gurgaon: Haryana Real Estate Regulatory Authority (HRera) has directed Assotech Ltd to refund Rs 38.5 lakh to a homebuyer for failing to deliver possession of a flat in its Assotech Blith project in Sector 99, Gurgaon. Tired of too many ads? go ad free now The complainant, Vineet Minocha, booked a 3BHK unit (G-503) in 2012 for Rs1 crore, with possession promised by March 2016. Despite paying Rs38 lakh, the unit remained incomplete. The builder later sought consent to resell the unit, promising a refund within two months—yet failed to deliver. HRera has now ordered a refund of the paid amount with 11% interest. Minocha had submitted a consent letter in July 2021, allowing the developer to resell the unit and refund the amount. The developer returned Rs 13.5 lakh but failed to refund the remaining dues. The complainant then approached HRera seeking recovery of the balance amount. During the proceedings, the promoter argued that the delay was caused by external factors, including the liquidation of the contractor Assotech Ltd by the Delhi high court, Covid-19 disruptions and pollution-related curbs. They also challenged the authority's jurisdiction, claiming the agreement was terminated after the consent letter was issued. However, rejecting these contentions, HRera ruled that the complainant remained entitled to relief under Section 18(1) of the Real Estate (regulation and development) Act, 2016. The authority cited the promoter's failure to fulfil contractual obligations within the agreed timeline as grounds for a refund with interest. "The promoter is liable to refund the paid-up amount of Rs 38,57,714 along with interest at 11.10% per annum from the date of each payment till actual realisation," stated HRera member Ashok Sangwan. The authority directed the refund to be completed within 90 days, failing which legal consequences would follow.
News18
12-07-2025
- Entertainment
- News18
‘Raaz Pichhle Janam Ka': Viral Claim On Bickering Couples ‘Born As Siblings', Stillborn ‘Revived On Request'
Last Updated: A past life regression expert Meenu Minocha has gained attention for her striking claims about soul relationships. 'Mera pichle janam mein usse kuch naata toh nahi." A line often heard in Bollywood films usually in stories about love, fate or mysterious pasts. But what if such lines weren't just dramatic fiction? In real life, the belief in rebirth, karmic bonds and past-life connections has long been debated and often accepted in spiritual circles. Now, a podcast featuring a past life regression expert Meenu Minocha has gained attention for her striking claims about soul relationships. 'Soul Contract' In her conversation on a podcast Supertalks, Minocha spoke about what she terms a 'soul contract," a spiritual agreement made before birth that dictates who we end up with and why. 'Shaadiyaan pre-decided hoti hain. Jisse honi hoti hai, wo ho kar hi rahegi. Aap jitna marzi zor laga lo kisi aur se karne ki… jisse honi hogi, wohi hogi (Marriages are pre-decided. No matter how much you try to marry someone else, you'll end up with the one you're meant to)," she said. The expert further said that what people often call love at first sight is actually the soul recognising its match. Not all soul connections lead to smooth relationships. In fact, she said the husband-wife bond is often the most 'challenging" one. She mentioned that if a couple constantly argues but is spiritually linked, they may return to each other's lives but not possibly as spouses. 'Agar iss janam mein dono ki nahi bani, aur sirf ek aadmi spiritually aware hua, toh aap agle janam mein bhi aaoge. Lekin iss baar husband-wife banke nahi, siblings banke (If the couple don't work out in this life and only one becomes spiritually aware, they'll meet again. Not as husband and wife but as siblings)," she said. Minocha explained that the soul must finish its lessons, saying, 'Jab ek ne seekh liya aur doosre ne nahi, toh woh rishta badal jaata hai. Aapka iss lifetime mein workout ho jaaye toh bonus hai. Nahin hua toh agle janam mein better hoga (If one learns the lesson and the other doesn't, the bond changes. If it works out this lifetime, it's a bonus. If not, the next one will be smoother)." Soul Bond Doesn't Mean Stay In Abusive Relationship Despite advocating for 'soul contracts," Minocha was clear that no one should remain in a relationship that involves violence or emotional harm. 'Agar lagta hai ki ab nahi seh sakte, violence ya torture, then walk away. Har soul ki self-respect hoti hai (If you feel you can't take any more violence or torture, walk away. Every soul has self-respect)," she said. 'Jab aap yeh soch lete ho ki mujhe divorce chahiye, toh do possibilities hoti hain. Ya toh aapka karma poora ho gaya, ya iss janam ke liye aapne bahut seh liya (Once you decide you need divorce, either your karma is complete, or you've tolerated enough in this life)," Minocha explained. A Stillborn That Refused Birth? In one of the more intriguing anecdotes, Minocha described a case involving a couple who had a stillbirth. When they came to her for a session, she claimed to have connected with the soul of the unborn child. 'Woh soul bola, 'Itni ladiyaan karte hain, main nahi aata' (The soul said, 'They fight so much, I'm not coming')," she said. According to her, the couple pleaded with the soul of the baby and even took help from a spiritual guru. Eventually, the baby agreed to return. The conversation around past lives and rebirths is not new. It gained mainstream attention years ago with the show Raaz Pichhle Janam Ka, hosted by actor-politician Ravi Kishan. Based on past life regression, the show was anchored by psychologist Dr Trupti Jayin who conducted sessions to help participants uncover the supposed root of present-day fears or traumas. The method involved placing individuals in a relaxed, hypnotic state where they would be guided through imagined past life experiences. Celebrities Who Featured On The Show Monica Bedi claimed she was a Portuguese woman in her past life and had three children. She also said this explained her connection to Christianity and her comfort while visiting Portugal. Actor Chunky Pandey said he saw himself on a ship during colonial India where he was transporting gold. He claimed that he was later killed during an attack. Payal Rohatgi shared that she regressed into the life of a man named Albert Post who lived in South America with his family and underwent a major betrayal by his best friend. Host Ravi Kishan himself claimed he saw flashes of his life as a Naga Sadhu in Manali during the 1890s and even admitted to seeing himself commit three murders in that timeline. Controversy Around Raaz Pichhle Janam Ka Despite gaining strong TRPs and public interest, Raaz Pichhle Janam Ka faced backlash from scientists and rationalist groups. The show ran for two seasons but was criticised for promoting unscientific beliefs. An NGO named Bharat Jan Vigyan Jatha even filed a petition in court against the channel airing it in 2010. It accused the show of spreading superstition on national television. Who Are Past Life Regression Therapists? Past life regression therapists are individuals who guide people through sessions that often involve hypnosis. Through this, they explore what they claim are memories of earlier births. The belief is that unresolved issues from past lives can impact present-day life and that confronting them can offer healing. Is It Possible To Know About Past Life? While many people believe they have lived before and that past life memories can be accessed through regression therapy, there's no scientific proof to back this idea. Here's what experts say: No solid evidence: Science doesn't support the idea of past lives or reincarnation. Past life regression isn't recognised as a valid technique in mainstream psychology. Technique questioned: Regression therapy often uses hypnosis to help people 'recall" previous lives. The process is seen as unscientific and has been widely criticised. top videos View all Explanation for claims: Researchers say these 'memories" may actually come from the imagination, confabulation (creating false memories) or strong suggestions during hypnosis sessions. Belief vs fact: For many, belief in past lives is part of their spiritual or personal journey. From a scientific point of view, there's no clear proof that such lives exist or that we can access them. About the Author Buzz Staff A team of writers at bring you stories on what's creating the buzz on the Internet while exploring science, cricket, tech, gender, Bollywood, and culture. News18's viral page features trending stories, videos, and memes, covering quirky incidents, social media buzz from india and around the world, Also Download the News18 App to stay updated! tags : viral news view comments Location : New Delhi, India, India First Published: July 12, 2025, 08:30 IST News viral 'Raaz Pichhle Janam Ka': Viral Claim On Bickering Couples 'Born As Siblings', Stillborn 'Revived On Request' Disclaimer: Comments reflect users' views, not News18's. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our Terms of Use and Privacy Policy.
Time of India
30-05-2025
- Business
- Time of India
New investors' dilemma: Is flexi cap fund alone sufficient to deploy Rs 10 lakh for meeting goals
Live Events A Reddit user recently sparked an engaging conversation in the mutual fund community, outlining their plan to begin investing with a Rs 10 lakh lump sum and monthly SIPs of Rs 50,000–Rs 80, a long-term horizon of 10 years and a high risk tolerance, the investor questioned the need for multiple fund types, wondering why a single flexi-cap mutual fund wouldn't suffice for Indian equity reached out to an expert to understand whether only a flexi cap mutual fund is enough or not for a portfolio and why do investors need other funds as well in their funds are designed to offer broad market exposure, giving the fund manager the discretion to shift between large, mid, and small caps as market conditions evolve. 'This flexibility makes them a suitable base for most portfolios. However, the drawbacks in relying exclusively on flexi-cap holdings are manager bias and potential for alpha,' said Rajesh Minocha, a Certified Financial Planner (CFP), Founder of Financial adds that one of the main drawbacks is the potential manager bias, where fund managers often allocate a large portion of the portfolio to large-cap stocks in order to minimize volatility which can lead to underexposure in high-growth mid and small-cap segments, especially during market phases where these segments if the time horizon is long (say 10+ years), making dedicated investments in mid and small-cap funds through SIPs can generate better returns if the investor can bear the higher volatility and asset allocation discipline is very important, Minocha said and also recommended that one should never go overboard on risky categories, so that some allocation lands into stable options such as large cap or flexi cap, which can be conveniently redeemed in emergencies without much the stock prices running high, investors are staying away from the market and looking for investment options where they can make investments and whether they should go for lumpsum or SIP investments in the volatile this concern of many investors and the reddit user having a lumpsum amount to deploy and further to start SIPs, Minocha recommends that putting the lump sum of Rs 10 lakh into the market all at once is not a good idea and should be staggered even for the long-term investor as this protects an investor from short-term volatility in the market and allows for averaging out the purchase further adds that in practice, one may park the lumpsum in a liquid or ultra-short duration debt fund while using a Systematic Transfer Plan (STP) to invest in equity mutual funds automatically over the next 6-10 months, balancing the risks of timing the market and capital deployment.'For the SIP portion, a diversified approach can mean balancing growth and risk. The core holding would be a flexi-cap, alongside a mid-cap fund for extra long-term growth potential. To a small degree, small-cap can be employed for alpha generation,' said should always make an investment decision based on investment horizon, risk appetite, and goals : 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
25-04-2025
- Business
- Economic Times
Sensex up 8,000 points from April's low. Should you reconsider your SIP strategy?
Indian stock market is performing well. BSE Sensex is up. Market experts suggest investors should continue their SIP and STP investments. With the benchmark index - BSE Sensex - up 8,000 points from its April low level and reaching at the level of 79,801 on Thursday, a market expert recommends that SIPs and STPs should continue without interruption as they are good channels to negotiate market swings.'This is not the kind of time to rush and book profits, because it is a recovery rather than a structural rally. The tide is likely to turn again, and it may become volatile this year further too. Investors should not stop it at this time but hold the plan on which they make investments,' advised Rajesh Minocha, a Certified Financial Planner (CFP), Founder of Financial Radiance. Also Read | NFO Insight: Motilal Oswal Infrastructure Fund opens. Time to add to your MF mix? While recommending the SIP strategy for FY26, an expert recommended that this is a good time to begin SIPs and one should consider categories that offer diversified exposure.'FY26 is a good time to begin SIPs. New investors can start with Multi-Asset, Flexi Cap, or Balanced Advantage Funds to get diversified exposure. Avoid starting with niche or high-risk segments like small caps initially,' recommends Sagar Shinde, VP of Research at Fisdom. RBI announced a rate cut of 25 basis points in its bi-monthly policy on April 9 and Sensex crossed the level of 80,000 on April 23. Post the rate cut and the benchmark index reaching this level, Minocha recommends that portfolio rebalancing should adhere to the original asset allocation model rather than conflicts set up immediately by high short-term market premiums. If equities have performed way ahead of other assets and your asset allocation has drifted away from what your original asset allocation was then it may require an upward shift in some gains into debt to keep a fair level of balance is what Minocha further the current month, on April 7 the benchmark index was at the level of 73,137, the lowest in the current month so far. The BSE Sensex touched 80,000 levels on Wednesday and closed at 80,116.49 level extending its winning streak to a seventh index - BSE Sensex - touched its all-time high level on September 27, 2024. It touched a level of 85, the last five months, Sensex has gained 1.26% and 0.04% in the last six months. In the current calendar year so far, the benchmark index has gone up by 2.53% and by 4.17% and 4.69% in the last one and three months, respectively. Also Read | Nifty Bank surges 10% in 1 month to hit 52-week high level. Time to shift focus towards banking sector? With the benchmark on surge since last month, the expert advises that there is no need for particular strategies to book profits for a mutual fund investment and the long-term goals should stay in equities, while short and medium-term answers should go for debt or hybrid funds. Of utmost importance, therefore, is aligning an investment with financial goals and time horizons, Minocha adds. In April so far, small cap funds have taken the lead and have offered the highest average return of around 4.67%, followed by 4.13% by mid cap funds and 4.01% by multicap funds. Large cap funds have offered the lowest average return of 3.56% in the same investors who are looking to make investments can keep on making SIPs in multi-cap and flexi-cap funds for a minimum period of five years amid the market at high levels, the expert advises.'SIPs and STPs are ways to average the costs and withstand volatility. What seems a market high might be a bargain in a few years. Keeping on investing with a reasonable expectation of returns of not more than 12% a year from long-term holding-is the best way forward,' Minocha should always invest based on their 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.
