All You Need to About the New Riskometer Does the risks associated with investing in mutual funds scare you? The market regulator, The Securities and Exchange Board of India ( SEBI ) has revamped the existing Risk-o-meter to make it easier for investors like you to invest in mutual funds, as it will reflect the risk taken by the mutual fund schemes. Here are some important pointers on the newly introduced Risk-o-meter. 1. What is a Riskometer? Riskometer is a pictorial representation of the level of risks associated with a mutual fund scheme. As per SEBI rules, fund houses have to label their schemes according to the level of risk of their underlying securities.The aim of this form of ‘Product Labeling’ in mutual funds was done to curb the mis-selling of mutual fund schemes by misleading about or concealing any risk attached with the scheme. The Riskometer gives a detailed depiction of the risks and helps the customers in making an informed decision regarding the investment of the sche...

5 Reasons You Shouldn’t Depend on Credit Card for Emergencies Everyone should have an emergency fund. An emergency fund will help you tide over any emergency situations such as job loss, medical emergency. However, many individuals don’t build an emergency fund as they believe that they can use their credit cards for emergencies. While credit cards can come in handy during emergency situations and can complement the emergency fund, it is not the best option to rely on credit cards to take care of emergency expenses. In this article, we will know about the importance of emergency fund and why you shouldn’t depend on credit cards for emergencies. Credit card may not help you during job loss The current scenario has put the jobs of many people at stake. An emergency fund will assist you in taking care of your necessary expenses till you find another job. However, in case of credit cards, you have to pay the balance dues at the end of the cycle. While it may be easy to pay off your credit ...

In the face of recent market volatility, investors are increasingly turning to large-cap mutual funds as a safe haven for their investments. Data from the Association of Mutual Funds in India (AMFI) indicates that inflows into large-cap stocks surged by 52.3% to ₹30.63 billion in January 2025, marking the second-highest on record. Understanding Large-Cap Mutual Funds Large-cap mutual funds invest in companies with substantial market capitalization, typically the top 100 companies in a given market. These firms are well-established, financially stable, and often industry leaders, offering investors a combination of stability and potential for steady returns. Why the Shift Towards Large-Cap Funds? Stability in Volatile Markets: Large-cap companies tend to be more resilient during economic downturns, providing a buffer against market fluctuations. Consistent Performance: Historically, large-cap funds have delivered consistent returns, making them an attractive option for risk-averse in...

What to Do if You Are Losing Money in Mutual Funds? The performance of the underlying securities and the broader markets are two factors that decide whether your mutual fund portfolio will be in green or red. Mutual funds don’t guarantee any returns and there is a possibility of facing adverse scenarios.To avoid such a phase, you must have a better understanding of mutual funds before investing. Fund managers, managing mutual funds, invest in several stocks, commodities, and bonds, reducing the impact of poor performance by the underlying securities. However, the profit or loss in the mutual funds depends on stock performance, market volatility, economic growth etc. So, if you think you are losing money in mutual funds, here is what you can consider doing. What to do if there is a loss of money in mutual funds? Even if you are well-versed with all the aspects of mutual funds and their working, some adverse scenarios might lead to losses. If that is what you are facing, here are some ti...

The Rise of Sachet-Sized SIPs: Making Mutual Fund Investments Accessible to All Introduction Investing in mutual funds has long been perceived as a strategy reserved for those with significant disposable income. However, with the recent push by the Securities and Exchange Board of India (SEBI) , investing in mutual funds has become more accessible than ever. The introduction of sachet-sized SIPs , allowing investors to start with as little as ₹250 , marks a revolutionary step in democratizing wealth creation. What Are Sachet-Sized SIPs? Sachet-sized SIPs refer to the new regulatory proposal that enables investors to begin their mutual fund journey with a minimal amount. Traditionally, SIPs (Systematic Investment Plans) required a minimum investment of ₹500 to ₹1,000 per month, making it slightly out of reach for lower-income groups. With the introduction of ₹250 SIPs , even individuals with limited savings can now participate in the stock market and build long-term wealth. Why Thi...