Latest news with #RadhikaGupta
Time of India
2 days ago
- Business
- Time of India
Large caps are the new debt? Radhika Gupta says investors have forgotten asset allocation buckets
Live Events Large cap is the new debt and private markets are the new equity.' That's what Radhika Gupta , MD and CEO of Edelweiss Mutual Fund , heard and said that this summarises how risk appetite has shifted upwards in the last half decade, and investors have forgotten some asset allocation posted on social media platform X that, 'Large cap is the new debt. Private markets are the new interesting quote I heard today that summarises how risk appetite has shifted upwards in the last 5 years, and some asset allocation buckets have been forgotten'Also Read | MF Tracker: HDFC Flexi Cap Fund turns Rs 10,000 SIP to nearly Rs 21.50 crore in 31 years Traditionally, investors treated large-cap equities as offering stability compared to mid- or small-caps and debt investments, such as government bonds and high-quality corporate paper, were the 'safe' end of the over the past few years, the risk appetite has shifted upwards and some traditional asset allocation buckets have been forgotten by the the other end, private market investments — whether venture capital, private equity, or unlisted debt — are increasingly viewed as the true growth and alpha in another post said that the Nifty500 space is expanding with diverse passive options and finding the right balance between risk and return, while using factors smartly is the favourite index in this Nifty500 space is Nifty500 Multicap Momentum Quality 50, is what Gupta shared and further mentioned that though it is a long name it delivers three things such as, firstly Simplicity of multi cap portfolios. Secondly, quality needed in mid and small and lastly, the element of momentum that as a style has a proven track Gupta in her post shared some interesting data on various indices in Nifty500 space. There are five different indices based on Nifty 500 - Nifty 500 TRI, Nifty 500 Momentum 500 TRI, Nifty 500 Multicap Momentum Quality 50 TRI, Nifty 500 Quality 50 TRI, and Nifty 500 Flexicap Quality 30 Read | JioBlackRock Mutual Fund launches 5 index funds. Should you consider investing in these passive funds? Edelweiss Mutual Fund has the first and only index fund and ETF in this space - Nifty 500 is what the CEO shared."Edelweiss Mutual Fund is the first and only provider of an index fund and ETF tracking the Nifty500 in this space," the CEO highlighted, directing investors to for more details.(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
Mint
2 days ago
- Business
- Mint
Radhika Gupta recommends ‘favourite' Nifty 500 index for smart investment, says delivers three benefits. Take a look
Edelweiss Mutual Funds Chief Radhika Gupta took to social media platform X (formerly known as Twitter), to suggest her 'favourite' Nifty index investment. The successful investor has a prolific social media presence and is known for sharing experiences and advice with her followers online, including her philosophy on savings, investments, SIPs, and stock market fundas. Sharing her pick, Radhika Gupta wrote, 'The Nifty500 space is expanding with diverse passive options. Finding the right balance between risk and return, while using factors smartly is the key. My favourite index in this space is Nifty500 Multicap Momentum Quality 50.' On her reasning she added, 'It's a long name but it delivers three things: 1. Simplicity of multi cap portfolios; 2. Quality needed in mid and small; and 3. The element of momentum that as a style has a proven track record.' She also attached market data tracking the particular index's performance against other indices; and in a disclosure, noted that her company Edelweiss MF has the first and only index fund and ETF in this space. Earlier on July 24, Radhika Gupta, who is a well-known proponent of systematic investment plans i.e. SIPs, advocated for spending your money another way. Writing on X, she noted that the fruits of hardwork are also to be enjoyed, not only saved. She admitted that while it is her job to sell SIPs, she also advovates for people to 'enjoy the fruits of your hardwork' and find a good middle ground between spending and saving or investing. 'At the end of the day, life is not a race of who has the highest NAV of most rupees, but who has lived most joyfully. The middle path exists, and it is good one,' she noted. Prior to this, in June, she cautioned ordinary investors against looking for high returns without understanding the risks, noting that finfluencers use 'fear of missing our' or FOMO to push 'crazy investment opportunities' that are meant for more seasoned players. She has also extensively batted for SIPs as a mode of investment that crores of common investors use to put their collective trust in the mutual funds market. She said that it is this 'collective trust' in investment instruments that give the Indian capital markets its stability; and also praised SIPs as the 'accessible savings-cum-growth solution' for common retail investors.
India Today
4 days ago
- Business
- India Today
'Mango Millionaire' authors Radhika Gupta, Niranjan Avasthi on SIPs, investing and more
Mango Millionaire, co-authored by Radhika Gupta and Niranjan Avasthi, isn't your typical finance book. Instead of stock tips or market forecasts, it offers something more enduring: a practical, jargon-free guide to thinking clearly about earning and saving to investing and borrowing, the book breaks personal finance down into five essential pillars, and argues that smart money decisions begin not with expert knowledge, but with this exclusive Q&A interaction, Gupta and Avasthi reflect on the core ideas in their book, the pitfalls of social media-driven investing, why SIPs still matter, and what India needs to change in the way it talks about money and long-term wealth. 1) Mango Millionaire tries to make personal finance relatable for everyone. What was the one message you absolutely didn't want readers to miss?Radhika: That money is personal and it's not about chasing what your friend or neighbour is doing. The goal isn't to become a finance expert, but to understand your own life, your needs, and make decisions that work for you. There's no one-size-fits-all in personal That managing your money isn't just about investing or saving, it's about getting all five key aspects right: earning, spending, saving, investing, and borrowing. Neglecting even one of these can throw your entire financial life off balance. The goal is not perfection but doing reasonably well in each area. Focus on the whole picture, not just one part. 2) The book has a conversational tone that makes even tough financial concepts feel light. Was that a deliberate choice from the start?Radhika: Yes, absolutely. We wanted this book to feel like a conversation with a trusted friend not a money textbook. Finance is already intimidating for many, so we focused on real stories, simple language, and frameworks that are easy to remember and Yes, it was a deliberate choice. Over the years, we've come across so many real-life stories of friends, colleagues, and relatives, struggling to manage their money. We knew these situations would resonate with readers, so we intentionally used them to bring financial concepts to life. By using these relatable experiences, we aimed to make even complex topics feel simple and conversational.3) Given the explosion of interest in stock markets over the last few years, especially among young investors, what's one common mistake you wish they'd avoid? Radhika: Many first-time investors believe the stock market is a shortcut to quick wealth, but that's a misconception. Chasing fast returns or blindly following social media tips without understanding the risks can do more harm than good. Equity is indeed a powerful wealth-building tool, but only when approached with patience, discipline, and the right knowledge. It's a long-term journey, not a get-rich-quick One common mistake I see among new investors, especially younger ones, is treating F&O and stock trading like a part time work to earn additional income. The time and energy they spend in trading could be far better used in upgrading their skills and building their careers. Wealth creation is best left to experts, while you focus on excelling in what you do best. 4) We often hear about SIPs and long-term investing—but what does 'long-term' really mean in a world where everything feels urgent?Radhika: In investing, long-term means at least 10 years and beyond. It's about giving your money enough time to ride out volatility and grow meaningfully. Over 10 years your probability of making good returns increases a lot, almost more than 99%. In a world of instant everything, long-term investing is a rare skill and a powerful A SIP in an equity fund truly delivers when it runs through a full market cycle, which typically spans 7 to 10 years. That's what we mean by 'long-term.' In today's fast-paced world, it might feel like a long wait, but staying invested through market ups and downs is what helps SIPs work their How should middle-class investors think about balancing insurance and investment, especially when products like ULIPs blur the lines?Radhika: Keep it simple. Insurance is protection. Investment is growth. Mixing the two often leads to suboptimal results on both ends. Buy pure term insurance for protection and use mutual funds or other instruments for investing. Separate the two Keeping insurance and investment separate gives you greater flexibility and more options to choose what's best for each need. It's always wiser to separate the two, so you're not locked into a product that compromises on either protection or returns.6) In your own life, what's been the most important money decision you've made—not as a fund CEO, but just as Radhika?Radhika: The most important decision I've made was moving back to India. I had started my investment professional career in the US, but I felt a strong urge to return and build something of my own here. It wasn't easy — leaving behind certainty for the unknown — but it turned out to be the most rewarding choice. It led me to co-found a hedge fund, take on leadership at Edelweiss MF.. That decision shaped not just my career, but who I am For someone starting fresh at 30 or 35, maybe after a few financial mistakes—what would your advice be?Radhika: It's never too late. Start small, but start today. Focus on building a solid emergency fund, getting term insurance, and starting SIPs in 2-3 good diversified funds for next 10 years at least. Don't try to make up for lost time by taking excessive risks. Personal finance is a marathon, not a The first step is to get a good advisor by your side. Most financial mistakes happen due to lack of knowledge or emotional decisions and the right advisor can guide you out of that. Don't stress, it's never too late to turn things around. With the right help and a steady plan, you can rebuild your financial life. 8) How much should an average investor really worry about market cycles? Is timing the market ever worth stressing about?Radhika: Timing the market is a game even professionals struggle with. What works better is time in the market. Stay consistent with your SIPs and don't let short-term noise derail your long-term plan. Market cycles are normal, your discipline is what If your portfolio is well-diversified, you don't need to worry too much about market cycles. The real risk arises when you're heavily invested in equities and approaching a financial goal. In such cases, a market downturn can impact the corpus you've built. That's why it's crucial to adjust your asset allocation as you near your goal by gradually shifting to lower-risk investments to protect what you've accumulated.9) Lastly, if you could change one thing about how India talks (or doesn't talk) about money, what would it be?Radhika: We'd love to see money become part of everyday conversations, like food, education or careers. Families should talk about savings, goals, and even mistakes at the dinner table. The more we normalize money conversations, the more confident and financially secure we will become as a We often focus on short-term goals like buying a house or funding our child's education, but rarely do we think or plan seriously for our own retirement. Over the next 20 years, we'll see more and more people around us reaching retirement age, often unprepared. It's critical that we start normalizing retirement planning early in life, just like we talk about careers or education. The earlier we start, the more freedom and dignity we can secure for our future selves.- Ends
Scroll.in
29-07-2025
- Business
- Scroll.in
In a new book, personal finance experts advise how to invest in gold, and its pros and cons
Stories written by An excerpt from 'Mango Millionaire: Smart Money Management for a Sweeter Life', by Radhika Gupta and Niranjan Avasthi. Radhika Gupta & Niranjan Avasthi
Mint
28-07-2025
- Entertainment
- Mint
Why Radhika Gupta is raising the alarm over Dior's ₹1.73cr Lucknowi mukaish coat: ‘No credit, hands remain invisible…'
After Italian luxury house Prada lifted India's Kolhapuri sandals for its runway show uncredited, Edelweiss Chief Radhika Gupta has now called out French fashion brand Dior for failing to credit Indian artisans for its ₹ 1.73 crore worth coat ($2,00,000 price tag), featuring Lucknowi mukaish embroidery technique. Showcased during the Paris Fashion Week in June as part of Dior Homme's Menswear ready-to-wear Spring Summer 2026 collection, the coat heavily featured Lucknowi mukaishi embroidery in its pattern and was presumably priced high for the painstaking days of handiwork involved. Mukaish embroidery involves the use of metallic threads — usually gold or silver — to embellish patterns into fabrics (predominantly silk) and create a shimmering effect. It is often used on decorate traditional Indian clothing. In a hearfelt, lengthy post on social media platform X (formerly Twitter), Radhika Gupta called out the lack of visibility for the local artisans involved in making luxury brand products and the lack of credit to India and Indian craft as a source of inspiration. She wrote: 'One more handloom, one more headline. Dior sells a $200K coat using Lucknowi mukaish embroidery. 12 Indian artisans. 34 days of work. No credit. No context. No mention of India.' 'The world loves Indian craftsmanship — But rarely credits the craftspeople. And almost never shares the value. Because the branding, storytelling, and pricing power stay elsewhere. The hand that creates remains invisible,' she added. Radhika Gupta noted that India must take a page out of Japan and South Korea's playbook to capitalise on 'soft power' using our local crafts. 'Culture is soft power. Japan did it with design. Korea did it with pop culture. India must do it with craft. From sourcing destination to storytelling nation. A home of global brands. The lion has to come out. And roar,' she added. Notably, this incident from Dior comes only a month after Prada faced backlash from Indian artisans and politicians for using traditional designs without credit in its Spring-Summer 2026 menswear collection. In a letter addressed to Maharashtra Chamber of Commerce, Prada's head of corporate social responsibility, Lorenzo Bertelli wrote, 'We acknowledge that the sandals... are inspired by traditional Indian handcrafted footwear, with a centuries-old heritage. We deeply recognise the cultural significance of such Indian craftsmanship,' Reuters reported citing the document dated June 27. Talk began after models in the Milan show were seen wearing leather sandals with a braided design — closely resembling handmade Kolhapuri slippers, dating back to the 12th century. According to Bertelli, Prada is committed to responsible design and respecting traditional Indian crafts. The brand wishes to engage with local Indian artisans and ensure they get proper credit for their work, he said.
