Investing Insights

Hand holding a red umbrella over stacked coins symbolizing protection and efficient investment risk management

How to Manage Investment Risk Efficiently

“The biggest risk is not taking any risk” is a famous quote by Mark Zuckerberg. The same applies to the investing world also. Some investors play safe and invest all their savings in low-risk options like bank fixed deposits, Government securities, etc. But, after factoring in taxation, the returns may not even be able to beat inflation. So, you run the risk of negative returns. Hence, it is recommended that you take risk by investing in equity mutual funds and mitigate/manage the risks using various risk management strategies. In this article, we will understand how to manage investment risk in mutual funds using various strategies.

Union Budget 2025 highlighted with Indian currency notes, reflecting income tax changes and economic growth focus

Income Tax Changes in Budget 2025 & RBI's Rate Cut: A Boost for Growth & Investments

Lower taxes, cheaper loans, and a push for private sector growth—how the latest Union Budget and RBI’s rate cut are shaping India’s economic future.

Visual comparison of Flexicap and Multicap equity mutual funds for diversified investment strategies

Understanding the Difference Between Multicap and Flexicap Funds

When it comes to equity mutual funds, investors often come across a variety of fund categories tailored to meet different investment objectives. Two categories that frequently cause confusion are Multicap Funds and Flexicap Funds. While both invest across market capitalizations (large-cap, mid-cap, and small-cap stocks), they differ significantly in their investment approach and mandates. Understanding these differences is crucial for making informed investment decisions.

Chalkboard illustration of child’s education planning with graduation cap and diploma symbolizing goal-based investing

Your Child’s Education Goal: A Step-by-Step Investment Guide

Every parent wishes for a bright and secure future for their child, and that includes a quality education. Achieving this goal requires advanced and proactive planning to ensure you’re financially prepared to support your child’s aspirations. In this article, we will explore why it is important to plan for your child's education and some best practices for the same.

Why is a SIP Investment Calculator beneficial?

With the rapid rise in online financial planning, more and more smart investors are choosing SIP investments as their investment avenue of choice for meeting their long and short term goals. As a thumb rule, SIP’s work best when you dispassionately keep them running despite the ups and downs of the markets.

Top Wealth Management Strategies for Long-Term Success

The goal-planning process, like a retirement fund, has two important aspects: Wealth creation and wealth management. During your working years, you create wealth by building a retirement fund. During the retirement years, you manage the wealth created so that it sustains you during the retirement years. In this article, we will understand what wealth management is, how it differs from wealth creation, and the best wealth management strategies.

A Guide to Understanding Tax Saving in Mutual Fund Investments

Some individuals invest in financial products only with the aim of saving taxes. They start looking for tax-saving investment products in the last quarter of the financial year. In the last quarter, their HR or Finance Team starts asking them for investment proof(s) to avoid a TDS deduction from salary. It is not the best way to invest. The appropriate approach is to do goal-planning and, within that look for tax-efficient financial products. In this article, we will understand what are tax-saving mutual funds and how to maximise tax savings with them.

Essential Asset Allocation Strategies for a Balanced Investment Portfolio

In 2024 (as of June 2024), the Nifty 50 Index has given a return of 28.12%. During the same period, gold has gone up by 23.56% and fixed income has given a return of 7.27%. In the calendar year 2022, gold was the top-performing asset class, whereas in 2015, fixed income was the top-performing asset class. So, different asset classes take turns to outperform each other year after year. Hence when it comes to managing existing wealth, most investors follow asset allocation by building a diversified investment portfolio. In this article, we will understand what asset allocation is, asset allocation strategies, and how to use them to build a balanced investment portfolio.

A Step-by-Step Guide to Personal Financial Planning

Some individuals follow a return-centric approach to investing. They chase returns by selecting mutual funds based on the last one and three-year returns. However, that is not the right approach. The appropriate approach is to identify your financial goals and invest towards fulfilling them. It keeps you focused on your investments for the long term till the goals are achieved. The personal financial planning journey can help you map all your financial goals, invest towards them, and review them till they are achieved. In this article, we will understand what is personal financial planning and how to go about it.

How to Plan For Retirement in Your 30s, 40s, and 50s

Would you like to retire with a sufficient corpus to be financially independent in the golden years of your life. Retirement is that phase of life that most people look forward to. Most individuals would have taken care of their financial liabilities and responsibilities by then. But do you know that if planned properly, you could actually create a corpus that could generate retirement income for the rest of your life and be more fulfilled by having enough time to do things you would enjoy most like time with family and relatives, hobbies, travel, socialise etc. Ideally, you should start planning for your retirement corpus at the earliest stage of your working life. If you have not planned, you can still start now, whether in your 30s, 40s or 50s. In this article, we will understand how to plan for retirement at your age.

Investing with Purpose: Goal-based Investing for Women

At the start of July 2024, Axis Mutual Fund released the "Women Investment Behaviour Report 2024". It has interesting insights on how women invest. It talks about the rising participation of women in mutual funds, how they persist with their investments even during market corrections, their goals like building wealth and securing retirement top the chart, etc. All these insights highlight how women are taking control of their investments. Let us discuss how investing with a purpose or goal-based investing can make women resilient and focused investors and, thus, help them achieve their financial goals.

How to Invest in Mutual Funds: Tips for Building a Balanced Portfolio

Mutual funds are one of the most versatile financial products to help you achieve your financial goals. They can help you diversify across various asset classes, such as domestic and international equities, fixed income, gold, etc. Some of them, like hybrid and multi-asset funds can help to build a diversified portfolio by investing in multiple asset classes through a single scheme. They allow you to make lumpsum and regular investments through SIP. Thus, mutual funds can cater to different investors with different schemes based on their requirements. In this article, we will understand how to invest in mutual funds and how to build a balanced portfolio through them.