Investing Insights

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.

Person calculating finances with stacked coins, a piggy bank, and paperwork on the table—representing the process of mutual fund transmission after the loss of a loved one.

Transmission of Mutual Funds: Lost a Loved One? Here Is the Process to Claim Their Units

Coping with the emotional and financial pain of losing a loved one can be difficult. While you are overcoming the emotional pain, you have to deal with the deceased person's financial matters also at the same time.

Stacks of coins and rolled-up Indian currency notes placed beside a pink signboard that reads

What Is Nomination? Why Should All Your Mutual Fund Investments Have It and How to Do It?

As an investor, you work hard all your life to invest towards your financial goals. You do that to ensure your family doesn't face any financial hardships in the event of your untimely death. But what if, after your death, your family members have to run around the AMC office(s), Court, and other Government offices to claim your assets?

Nilesh Shah, MD of Kotak Mutual Fund, speaking on disciplined investing and long-term wealth creation

The Right Way to Invest: Keep it Simple, Stay Patient and Be Disciplined

For most Indians, financial freedom means having enough money to live life on your own terms. No need to depend on others or worry about costs for basic needs. Sounds like a dream, doesn't it? But it's achievable if you follow the right investment approach with discipline.

Stacks of coins arranged in ascending order, each with a small green plant sprouting from the top, symbolizing financial growth, investment, and wealth accumulation over time. The background is softly lit, emphasizing the theme of sustainable or long-term

Small-Caps Are Correcting: Should Investors Be Worried? What Should They Do?

In the last few months, small-cap funds have been the most favoured segment of retail investors. Small-cap mutual fund schemes have been attracting a lot of fund inflows from retail investors. On 7th February 2024, the Nifty Smallcap 250 Index hit an all-time high of 15,489. Since then, the index has corrected a little over 10% as of March 2024. Some individual small-cap stocks that are a part of the index have corrected even more in the 15-25% range or higher. As a retail investor in small-cap mutual funds should you be worried about a further correction? What should you do? Let us discuss.