Investing Insights

Mutual fund ratios showing risk and return balance with alpha beta and sharpe concepts

Mutual Fund Ratios Explained: How To Understand Fund Performance And Risk

Returns may tell you how a mutual fund has performed, but they don’t tell you the full story. To truly understand risk, consistency, and efficiency, you need to look beyond returns. This is where mutual fund ratios become useful.

Life cycle mutual funds in India showing goal-based investing and long-term wealth growth

What Are Life Cycle Funds And How Do They Work In India?

Life cycle funds bring structure to long-term investing by aligning your portfolio with time. As your goal approaches, the fund gradually reduces risk without requiring constant intervention. Understanding how this works can help you evaluate whether it fits your investment approach.

Financial habits in your 20s with SIP investing and compounding for long-term wealth

Investing Lessons in Your 20s that Make Life Easier in Your 40s and 50s

The financial habits you build in your 20s often matter more than the amount you invest. Given enough time, even small, consistent decisions can grow into meaningful outcomes. What you do early quietly shapes how easy or stressful your future feels.

PMS vs Mutual Funds comparison showing stacked coins and a small tree held in hand, symbolising long-term wealth growth and different investment approaches.

PMS vs Mutual Funds: Which Is Better for Long-Term Wealth Creation?

Sophisticated doesn’t always mean superior. When it comes to building long-term wealth, simplicity, discipline, and transparency often outperform complexity and exclusivity.

Stack of coins symbolising liquid mutual funds and their role in managing short-term money and portfolio liquidity, with FinEdge branding.

Liquid Mutual Funds: A Practical Way to Park Short-Term Money

Short-term surplus often sits idle in savings accounts, losing value to inflation. Liquid mutual funds offer a structured way to park money safely, access it quickly, and earn modest returns, when used for the right purpose.

Visual showing financial documents, currency notes, and a calculator, representing the process of selecting the best mutual funds through informed and goal-based investing.

Top Mutual Funds 2025: Why Chasing Returns Doesn’t Build Wealth

Each year, investors search for the “best mutual funds to invest in,” hoping to replicate past success. Yet, data shows that chasing last year’s winners rarely leads to wealth creation. True success lies in discipline, patience, and following a process, not prediction.

Visual illustrating direct mutual funds concept, highlighting cost saving and goal achievement in smart investing decisions.

All About Direct Mutual Funds: Cost Saving or Goal Achievement?

Direct mutual funds promise cost savings, but investing isn’t just about expenses. Here’s how to know when going direct truly supports your long-term goals.

Illustration comparing equity and debt investments using a balance scale, highlighting differences in risk, returns, and time horizon

Understanding Debt and Equity Funds: Key Differences and Benefits

Investors can choose from different types of mutual funds depending on factors like investment time horizon, return expectation, lock-in period, taxation, risk involved, etc. You can look at equity funds for growth and debt funds for stability. In this article, we will understand what are equity funds and debt funds, the difference between equity and debt mutual funds, and things to consider before choosing these funds.

Visual comparison of ETFs versus Index Funds highlighting key differences for passive investing choices

ETFs Versus Index Funds: What Are the Differences, and Which One Should You Choose?

In the last few years, there has been a rise in passive investing due to factors like diversification, low costs, wide availability and choice of passive funds, ease of investing, etc. When it comes to passive investing, there are two ways of doing it. Exchange traded funds (ETFs) and index funds. In this article, we will understand what are ETFs and index funds, the differences, and which one you should choose.

A conceptual graphic for a mutual fund blog post featuring the heading what is NFO in mutual Fund alongside a question mark, used to explain New Fund Offerings to investors.

Fund Houses Are Launching NFOs: Are They Different From IPOs? Should Investors Invest in NFOs?

When stock markets are near or at all-time highs, along with IPOs from companies, you see a rush of NFOs from mutual fund houses. In May 2024, the HDFC Manufacturing Fund NFO raised a huge Rs. 9,563 crores.

Illustration symbolizing mutual funds with interconnected investor icons and a dollar symbol, representing the collective nature of fund investing—used to question whether chasing last year’s top-performing mutual fund schemes is a wise strategy.

Should You Shift Every Year to Last Year’s Best-Performing Mutual Fund Schemes?

At the start of every calendar/financial year, most media houses, investment firms, etc., come out with the list of best-performing mutual funds in the year gone by. The list is presented in the order of returns. Some investors compare the returns of last year's best-performing mutual fund schemes to the schemes in their portfolio.

Two individuals signing legal documents at a desk with law books, a gavel, and scales of justice—symbolizing legal matters concerning nominee versus legal heir rights in mutual funds.

Nominee vs Legal Heir: Who Has the Right to Your Mutual Funds?

SEBI has taken the important initiative of making people choose nomination for their mutual fund investments. Investors must either provide nomination details in the specified format or opt out of it with a prescribed declaration form. For existing assets, the deadline for nomination or opting out of it is 30th June 2024, post which the mutual fund folios will be frozen for debits.