Money Guru: Incurring losses in your investments? Expert view on what investors should do now?
Getting negative returns on your investmenst? What should be the strategy ? Swati Raina speaks to Hemant Rustagi, Chief Executive Officer (CEO) at Wiseinvest Private Limited to know what he thinks should be the way ahead
Are you not getting returns from your investments? What should be the strategy for investment? What should investors do if they are incurring losses and when should the profits be booked? What should be your plan to tide away the losses? Zee Business’ Swati Raina speaks to Hemant Rustagi, Chief Executive Officer (CEO) at Wiseinvest Private Limited to know what he thinks should be the way ahead.
What to do when markets fall?
Investors in Mutual Funds must continue investments.
Don’t make investment strategy based on the mood of the markets.
It will be counterproductive to stop investment in a falling market.
Long term investments remain unaffected from temporary rise on falls.
Continue SIP and get benefit from rupee cost averaging
Plan for uncertain markets.
Stick to investment plan as per the investment duration.
Distribute your goals in small, medium and long term duration.
Asset allocation should be on the basis of investment horizon
Long term investments are not affected much by uncertainties in markets
Rules of Portfolio rebalancing
Never indulge in rebalancing on every market change
Rebalance only when the set allocation changes
Try to do rebalancing at the time of maturity of the fund.
Do rebalancing when the debt-equity allocation gets disturbed
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Advice to Investors
Ajit Kumar, Jharkhand
Age – 33 years
Rs 11000 SIP allocation in 6 schemes
Goal of Rs 2 cr corpus at the end of retirement.
All funds are giving negative returns.
He asks if he should stay in the funds or exit?
Ajit’s Funds
SBI Smallcap Fund Rs 2500
Axis Bluechip Fund Rs 1500
Mirae Asset Emer. Bluechip Rs 2000
Axis Midcap Fund Rs 2000
Canara Robeco Bluechip Rs 1500
Parag Parikh Flexicap Rs 1500
Advice to Ajit
His portfolio comprises of all categories of funds
Selected funds are good.
Put only one bluechip fund in your portfolio.
Increase investment in Parag Parikh Flexicap by Rs 2000
Never stop investment on fears of market falls
SIP will be beneficial at times of market tumults
Rupee cost averaging to benefit over long term
Over the next 25 years, Rs 11000 SIP will give returns of Rs 2 cr.
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