Ask us: on investments
The Hindu
Q. I have been running a monthly SIP of ₹10,000 towards SBI Nifty Index fund for the past year. Now,
Q. I have been running a monthly SIP of ₹10,000 towards SBI Nifty Index fund for the past year. Now, I can invest another ₹10,000 a month. Should I invest in another moderate risk fund or continue with the Nifty fund alone? Should I also invest as lump sum instead as it lets me invest on a date of my choice, preferably when the NAV is lesser?
Dr. Srijith
A. For a ₹20,000 monthly SIP, just 2 funds are too few. It is best to split the additional ₹10,000 in two funds. If you do not have other debt investments, make one of these funds a short-term debt fund. As the passive options in the moderate-risk space is limited, go for an active fund from the large, flexicap or value categories. If you can take some more risk, you can instead add an aggressive index fund that tracks the Nifty 500 or the Nifty Midcap 150. You can go up to ₹4,000 in these funds. It is best to use the SIP route to invest. Market highs and lows are clear only in hindsight. Markets can keep rising, or keep correcting through the month. Pegging a ‘good’ or ‘low’ NAV to invest on is not feasible.
Q. I’m a 28-year-old State government employee. What are the best options for investment?
Divya R.N.
A. It’s hard to answer this without more detail, so here are some general guidelines.
One, consider the purpose for which you intend to invest — such as for a home down payment, buying a car, retirement, or for regular income from the investment. Two, keep in mind the extent of risk you can bear. Generally speaking, for investment horizons of 5 years and longer, opt primarily for equity mutual funds as they allow better returns than FDs or gold. The higher the risk and longer the time-frame, the more you can allocate to equity funds (but don’t go beyond 80% in these). The rest of the allocation can be in short-duration or corporate bond debt funds.
OpenAI on Tuesday announced key leadership appointments for its nonprofit arm and committed to investing at least $1 billion through the division
EU antitrust chief Teresa Ribera, who has voiced concerns about Big Tech extending its dominance into artificial intelligence, will meet the CEOs of Alphabet, Meta Platforms and OpenAI
OpenAI is close to securing about $10 billion in fresh funding from investors, boosting its valuation to $850 billion, including the money raised, a person familiar with the matter said, confirming an earlier report in Bloomberg News
Discover the key changes in the New Income Tax Rules 2026, simplifying compliance and enhancing deductions for taxpayers.
Palantir, which won a contract to supply AI systems to Britain’s Financial Conduct Authority, will not have access to regulatory intelligence, an FCA official said
Arm Holdings announced a new artificial intelligence data centre chip on Tuesday which it said will add billions of dollars of revenue
Amazon said on Monday its Amazon Web Services region in Bahrain has been “disrupted” amid the current conflict in the Middle East
Petroleum Ministry directs reforms to enhance natural gas infrastructure, streamline approvals, and ease transition from LPG to PNG.
The Sora decision means the end of a blockbuster $1 billion deal between Disney and the ChatGPT maker that was announced a little more than three months ago.
Regulator mandates city gas distributors to provide piped gas to educational institutions within five days, supporting India's transition from LPG to PNG.
NHAI's Raajmarga InvIT listed on BSE, enhancing investor participation in highway infrastructure with strong demand and oversubscription.
HDFC Life Insurance faces ₹172 crore Income Tax order for alleged violations, plans to appeal the decision.
Air-conditioner makers in India are looking forward to FY27 with hope as the war in West Asia threatens to impact plastic component availability and consumer sentiment, adding to the challenges around raw material price and new energy label, a senior executive of a leading company has said.