Latest news with #FlexiCap
Time of India
6 days ago
- Business
- Time of India
Fired employee's ₹12 lakh severance sparks hunt for the ‘generous' company
A Reddit post about a man receiving ₹12 lakh as severance after being fired sparked widespread curiosity, with users more interested in uncovering the identity of the 'generous' employer than giving investment advice. The viral thread turned into a hunt for the mystery company, while some eventually offered suggestions on how to wisely invest the windfall. A fired employee's ₹12 lakh severance package set Reddit abuzz, with netizens speculating about the mystery firm behind such generosity. The post, initially seeking financial advice, quickly spiraled into envy and intrigue, (Representational image: iStock) Tired of too many ads? Remove Ads 'Tell us the company first!' Investment advice comes second Tired of too many ads? Remove Ads The myth of the generous employer In an unexpected twist on Reddit 's r/personalfinanceindia, a seemingly standard investment advice post ignited a storm of curiosity. and envy, after one user casually mentioned that their friend had been fired and was offered a hefty ₹12 lakh severance package . Instead of doling out financial wisdom immediately, the crowd demanded one thing: Who's the employer handing out this kind of golden goodbye?The original post titled 'Was fired and offered 12 lakhs. Need guidance' was meant to seek financial advice for someone with zero investment experience and an ongoing ₹25,000 monthly car loan. But before advice could pour in, Reddit users shifted focus of the top comments read, 'Which company is giving 12 lakhs as severance?' — echoing the question running through the minds of thousands. Another user speculated that it must be a high-paying job where people often burn through ₹1-2 lakh monthly on both necessity and luxury, making such severance necessary to stay afloat. 'I would be jubilant if I got ₹12L as severance,' they wrote, suggesting that perhaps the package included PF and the shock settled, Redditors did, eventually, get to the financial guidance the poster had initially sought. The most prudent advice started with building an emergency fund — parking ₹3 lakh in a liquid or savings account to cover basic needs for the next six months. Another ₹3 lakh, they suggested, should go toward covering car loan EMIs, with short-term FDs or debt mutual funds being recommended for safety and savvy commenter laid out a comprehensive plan: keep ₹6 lakh for emergencies and liabilities, and slowly channel the remaining ₹6 lakh into mutual funds like Flexi Cap, Balanced Advantage, and Hybrid Debt through others warned against diving into the stock market, citing how retail investors often get duped by bigger players. One user cheekily added, 'Don't jump into stocks. You'll lose that severance faster than you got it.'The larger question remains unanswered — which company is handing out ₹12 lakh severance packages in an economic climate where most layoffs come with a polite goodbye and little else? The Reddit thread has since turned into a treasure hunt, with users speculating about tech giants, foreign consultancies, or cushy C-suite exits. Some even joked that they might consider getting fired themselves if the payout is that confirmation yet on the employer's identity, but what started as a humble quest for investment suggestions has now become a viral post and a symbol of rare corporate benevolence in India's layoff landscape. As one user aptly concluded: 'Forget financial planning — we just want to work wherever your friend did.'
Economic Times
09-06-2025
- Business
- Economic Times
Bearish is thoughtful, bullish is cavalier? Samir Arora calls out market bias
But people who are bearish are generally considered as "thoughtful and measured" and people who are bullish are considered "cavalier"- so what to do. — Samir Arora (@Iamsamirarora) June 9, 2025 Markets rally on RBI boost Live Events Helios MF makes big bets in May (You can now subscribe to our (You can now subscribe to our ETMarkets WhatsApp channel As Indian equities powered higher on Monday, with the Nifty hitting 8-month high on the back of the Reserve Bank of India's surprise policy easing and upbeat global cues, veteran investor Samir Arora took to social media to question a familiar market bias: why bullish investors are often seen as reckless while bears are viewed as more prudent.'But people who are bearish are generally considered as 'thoughtful and measured' and people who are bullish are considered 'cavalier'—so what to do,' Arora, Founder and Fund Manager at Helios Capital, posted on X (formerly Twitter), echoing a sentiment shared by market expert Sandip Sabharwal, who had called for more fund managers to make the case for optimism in the had earlier questioned why market experts focus so heavily on bearish outlooks, saying, 'Instead of making 100 page presentations on why we should be 'Bearish', some of the 'Experts' from MF's/PMSes/AIF's etc should actually be making presentations on why we should be 'Bullish'.'Indian benchmark indices ended Monday in the green, with the Nifty climbing to an eight-month high and the Bank Nifty index touching a record intraday peak. The rally was driven by the Reserve Bank of India's outsized 50 basis point rate cut, a 100 basis point CRR reduction, better-than-expected U.S. jobs data, and progress in U.S.-India trade upbeat sentiment extended beyond large caps. The Nifty Midcap 100 rose 1.1%, and the Nifty Smallcap 100 gained 1.6%, outperforming the benchmark indices as investors bet on broader economic new fund disclosures from Helios Mutual Fund, backed by Arora, showed the Flexi Cap fund cut its cash holdings sharply from 5.26% in April to just 1.08% in May, signalling increased conviction in equity markets. The scheme, which has an AUM of Rs 3,213.5 crore, counts Adani Ports, ICICI Bank, and HDFC Bank as its top fund increased positions in Adani Ports, Bharat Electronics, and KPIT Technologies, while adding new exposures to MCX, NBCC, Gokaldas Exports, Delhivery, and Indian Hotels. It also exited S H Kelkar and Electronics Mart India. Cash levels were also reduced in the Midcap and Large & Mid Cap funds, further reflecting a bullish allocation stocks march higher, Arora's critique of the prevailing narrative raises a broader question, should optimism be treated with more intellectual respect in a market that thrives on sentiment swings?(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
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Business Standard
06-06-2025
- Business
- Business Standard
Decoding Flexi Cap vs Multi Cap Funds: Strategy, risk and suitability
Flexi Cap vs Multi Cap Fund: Despite ongoing volatility in the equity markets, investor interest in mutual funds remains robust. However, a clear shift in investment preferences is emerging. Following significant corrections in the small-cap and mid-cap segments, a growing number of investors are reallocating their portfolios towards large-cap, Flexi Cap and Multi Cap funds—categories that predominantly invest in companies with larger market capitalisations. Market analysts suggest that in times of heightened uncertainty, Flexi Cap and Multi Cap Funds may offer more stability and strategic advantage. Yet, a key question persists among investors: Which is the better choice—Flexi Cap or Multi Cap Funds? While both fund types provide broad diversification, they differ notably in terms of investment structure and portfolio strategy. Key Differences in Fund Structure Flexi Cap mutual funds are frequently compared to Multi Cap funds, given that both invest in equities and equity-related instruments across various market capitalisations. However, a key structural distinction sets the two categories apart. Flexi Cap Funds mandate a minimum allocation of 65 per cent of their total assets to equities and equity-related instruments. In comparison, Multi Cap Funds are required to allocate at least 75 per cent of their corpus to equities. Another significant difference lies in the portfolio allocation strategy. Flexi Cap fund managers have complete discretion to invest across large-cap, mid-cap and small-cap stocks, allowing for a dynamic and flexible asset allocation approach. Conversely, Multi Cap fund managers must maintain a minimum investment of 25 per cent each in large-cap, mid-cap and small-cap segments, resulting in a more regimented and rule-based allocation structure. Flexibility Reduces Risk Flexi Cap funds are generally considered to be less risky compared to Multi Cap funds. Umeshkumar Mehta, CIO at Samco Mutual Fund, explains that Flexi Cap funds offer a dynamic approach, allowing fund managers to reduce exposure to large-cap, mid-cap or small-cap stocks when valuations become expensive. Unlike Multi Cap funds, Flexi Cap funds are not required to maintain a strict 25 per cent allocation in each market cap category (large, mid, small). This gives fund managers greater flexibility to adjust allocations based on market conditions. He further added that due to this flexibility, fund managers can shift towards safer market cap segments when valuations are high or during a market correction. This is one of the reasons why the overall risk level in Flexi Cap funds tends to be slightly lower. Choosing Based on Stability According to Mehta, in the current global market environment marked by heightened uncertainty, portfolios with a greater allocation to large-cap and mid-cap stocks are better positioned to deliver stability. Large-cap stocks offer resilience and consistency, while mid-cap stocks provide moderate growth potential. Given this backdrop, Flexi Cap Funds may be more appropriate for new investors, as they allow fund managers to tilt the portfolio towards relatively stable segments. Conversely, investors seeking uniform exposure across all market capitalisations may find Multi Cap Funds more suitable, as these funds mandate a minimum allocation to each of the large-cap, mid-cap and small-cap segments, ensuring balanced diversification. Time Horizon Matters A.K. Nigam, Director at BPN Fincap, notes that Flexi Cap Funds are well-suited for investors with a short- to medium-term investment horizon, typically ranging from zero to five years. These funds offer portfolio flexibility to navigate market volatility and are generally structured to deliver moderate returns. While the core allocation tends to favour large-cap stocks, they also include selective exposure to mid-cap and small-cap segments. Nigam further highlights that Multi Cap Funds are more appropriate for long-term investors, with an investment horizon of at least five to seven years. Owing to their mandated exposure to mid-cap and small-cap stocks, these funds carry higher risk but also present the potential for enhanced returns. They are most suitable for investors with a higher risk tolerance who seek long-term capital appreciation. Aligning Risk and Goals For investors with a high risk appetite but limited exposure to equities, Multi Cap Funds may present a more suitable option, as they offer diversified exposure across all market capitalisations regardless of prevailing market conditions. Conversely, investors with moderate risk tolerance seeking equity participation may find Flexi Cap Funds more aligned with their investment objectives. Mehta recommends that individuals with a higher risk appetite consider diversified equity funds such as Flexi Cap or Multi Cap Funds, which invest across a broad spectrum of stocks, including large-cap companies. These funds actively rotate allocations among sectors and market segments in response to changing market dynamics. As such, Mehta emphasises the importance of remaining invested for at least one full market cycle to realise the potential benefits. Given their structure and investment approach, these funds are generally more appropriate for long-term investment horizons.
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Business Standard
29-05-2025
- Business
- Business Standard
Earnings to events: Motilal Oswal says investors must alter their focus
With most adverse developments now under control, analysts from Motilal Oswal Private Wealth suggest investors switch their attention towards 'earnings' from 'events' Listen to This Article It has been a choppy ride for the Indian stock markets in the last few weeks as they negotiated geopolitical issues between India and Pakistan, Donald Trump's tariff related tantrums amid corporate earnings for the March 2025 (Q4-FY25) quarter. With most adverse developments now under control, analysts from Motilal Oswal Private Wealth suggest investors switch their attention towards 'earnings' from 'events'. As an investment strategy, they advise investors with lower equity allocations to consider lump-sum investments in Hybrid, Large-Cap, and Flexi Cap funds, and adopt a staggered approach for mid-and-small-caps over the next two–three months, with faster deployment if
Mint
13-05-2025
- Business
- Mint
THESE 6 flexi cap mutual funds gave over 20% annualised return in past 3 years. Check list here
Before you invest in a mutual fund, it is recommended to compare the returns delivered by the scheme and compare the same with those of other schemes in the same category – be it large cap, value funds, flexi cap or other. Here, we list out the six mutual fund schemes which have delivered over 20 percent annualised return in the past three years. In other words, if someone invested ₹ 1,00,000 three years ago, the investment would have grown to ₹ 1,72,800 now by growing at an annualised rate of 20 percent. For the unversed, a flexi cap mutual fund scheme is the one which is flexible to invest its assets across market capitalisation i.e., small cap, mid cap and large cap in any proportion. However, the fund must invest at least 65 percent in equity and equity-related instruments, as per the Sebi's categorisation of mutual fund schemes. Flexi Cap Fund 3-year-return(%) Franklin India Flexi Cap Fund 20.51 HDFC Flexi Cap Fund 24.26 Invesco India Flexi Cap fund 22.39 JM Flexi Cap Fund 24.73 Motilal Oswal FC fund 23.53 Parag Parikh Flexi Cap Fund 20.48 (Source: AMFI; returns as on May 8, 2025) As one can see in the table above, JM Flexi Cap Fund has delivered 24.73 percent annualised return in the past three years and HDFC Flexi Cap Fund has given 24.26 percent in the past three years. Other schemes which have delivered more than 20 percent annualised return include Invesco India Flexi Cap fund and Motilal Oswal Flexi Cap Fund. Meanwhile, it is important to note that the past returns do not guarantee future returns. This means just because a scheme has delivered good returns in the past, it does not mean it will continue to deliver the same returns in the future as well. Aside from past returns, other factors which should affect your decision of whether to invest in a scheme or not include past performance of the fund manager, reputation of the fund house, category of scheme and overall market scenario. Note: This story is for informational purposes only. Please speak to a SEBI-registered investment advisor before making any investment related decision.
