Page 57 - Sip News Today

Though the fundamentals in the Indian market appear to be strong presently driven by easing inflation and growth in corporate earnings in just concluded quarterly results, investors need to be mindful about the developments happening in global economic and geopolitical developments as well as upcoming general elections in India next year.

The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goal.

"In the mutual fund portfolio, the best-performing fund of the year 2023 may not be the best-performing fund in 2024. Therefore, it is important to not chase the best-performing fund and invest based on the individual funds portfolio positioning and the fund managers experience of managing volatility as the year 2024 may be volatile."

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Investing in mutual funds requires careful consideration of the right allocation between lumpsum and SIP investments. Lumpsum investments allow for potentially higher growth but are subject to market timing risks. SIPs mitigate volatility by investing regularly at different price points.

Factors to consider before investing in SIPs include defining financial goals, assessing risk appetite and diversifying the SIP portfolio.

While equities tend to give higher return over long term, it's important to consider market volatility

PUTRAJAYA: Slightly more than half of the 533 applications received from employees of MYAirline Sdn Bhd (MYAirline) to obtain the benefits of the Employment Insurance System (SIP) under the Social Security Organisation (Socso) have been approved.

During the quarter that ended in September 2023, 48 schemes were launched, which were cumulatively able to garner Rs 22,049 crore at the NFO period. This was way higher than 25 NFOs that collected Rs 5,539 crore during their NFO period in the June quarter, according to data compiled by Morningstar India.

In the dynamic realm of markets, characterized by inherent volatility, proactive investors leverage Systematic Investment Plans (SIPs) as an optimal conduit to seize opportunities and maximize returns, recognizing that waiting on the sidelines entails missing out on potential gains.