Latest news with #KarthikJerome
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Business Standard
13-06-2025
- Business
- Business Standard
Fixed deposit rates fall; Pickleball spreads: Top personal finance stories
Banks have begun to respond to the Reserve Bank of India's 50 basis point rate cut by reducing their deposit rates. This will affect the income of conservative investors, particularly senior citizens. In this week's lead story, Sanjay Kumar Singh and Karthik Jerome suggest that while investors should look for instruments that offer better yield, they should not do so at the cost of safety of capital. Namrata Kohli writes about the growing popularity of Pickleball in India. The story highlights its appeal as a fun, inclusive, and accessible sport. Read this article to learn how the game is transforming fitness habits, building communities, and attracting commercial interest. If you are looking for alternatives to bank fixed deposits, consider corporate fixed deposits. However, stick to the larger and well-known names, which are likely to be more resilient in case the credit environment worsens. Look up table to learn the rates offered by India's top corporates. Mid and smallcap funds were significantly hurt in the recent market correction. As a result, investor interest has shifted towards funds that invest a large portion of their corpus in large cap stocks, including the Flexicap category. If you are looking for a fund from this category, go through Morningstar's review of Franklin Flexicap Fund. ₹3,841 crore: Inflows received by Flexicap funds in May, the highest among equity funds Flexicap funds received the highest inflow among equity fund categories, amounting to Rs 3,841 crore. In these funds, the fund manager has complete freedom to tilt her portfolio towards whichever market cap category she thinks will deliver good returns in the near future. In the current environment, with mid and small-caps remaining expensive despite a correction, most flexicap fund managers have deployed a larger portion of their portfolios in largecap stocks, which tend to be more resilient in a turbulent environment. When selecting a flexicap fund, do not just go by past returns. Go with a fund manager with a strong track record of performance over at least the past decade. Moreover, the fund manager who fetched those returns should still be there at the helm. Avoid funds with a very high expense ratio or portfolio turnover ratio. Also go with a fund house known to have a strong team of equity analysts.
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Business Standard
22-05-2025
- Business
- Business Standard
Stay in US funds if horizon exceeds seven years, exposure less than 20%
If you are worried about a US-only exposure following the downgrade of US government debt, go for a globally diversified fund Sanjay Kumar Singh Karthik Jerome New Delhi Listen to This Article Moody's Investors Service downgraded the United States (US) government's credit rating from AAA to AA1 on May 16, 2025. This has sparked concern among Indian retail investors who have diversified globally, with many questioning whether to maintain, reduce, or exit their US fund holdings. Why the downgrade happened The downgrade stems from the US's widening fiscal deficit and elevated debt-to-GDP ratio. 'The high level of debt-to-GDP ratio could make it difficult for the US to service its debt,' says Pratik Oswal, chief of passive business, Motilal Oswal Asset Management Company (AMC).
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Business Standard
24-04-2025
- Business
- Business Standard
Let asset allocation, not price direction guess, guide decision on gold
As gold scales Rs 1 lakh peak, investors are wondering whether to sell now and book profits or wait to see how the tariff wars play out. Here's a handy explainer on the best way forward Sanjay Kumar Singh Karthik Jerome Listen to This Article With the yellow metal recently scaling the Rs. 1 lakh peak, even the most ardent gold bugs are in a quandary: Should they continue to invest, or is it time to sell and cash out? Experts say that instead of second-guessing gold's direction, investors should let their asset allocation be the guide. Positive drivers The biggest driver of the current rally is policy uncertainty. 'The imposition of tariffs and the current negotiations are an effort to change the world order as it existed. The dynamic changes that are taking place have led to a lot of uncertainty,' says Chirag Mehta,
