INVESTMENT RETURNS
Rule of 72, withdrawal rule of 4% & more: 7 personal finance rules that help you in building wealth
This article outlines seven personal finance rules that can help you enhance your financial well-being. It covers investment doubling, retirement corpus calculation, income allocation, equity exposure based on age, borrowing limits, life insurance coverage, and emergency fund requirements. Following these rules provides a simplified approach to achieving financial goals and security.
17 mid cap mutual funds have never posted negative annual returns in last 5 years
ETMutualFunds’ analysis found 17 mid cap funds avoided negative returns from 2020–2024. In 2025, 10 slipped into losses while 7 stayed positive. Invesco India Midcap leads with 4.54% gains, while Motilal Oswal Midcap dropped 7.52%. Investors should assess goals before decisions.
Is cash in mutual fund portfolio a safety net or a performance risk?
Mutual funds often hold cash, impacting performance. Experts say high cash levels can hinder returns in rising markets but offer opportunities during downturns. Data from July 2025 shows increased cash allocation after market dips. Active and passive funds differ in cash management. Investors should be wary of funds consistently holding high cash, as it may limit growth potential.
Large, mid, small & microcap stocks: Which equity category has given best returns in last 10 years?
Welcome to TrendMap, your quick guide to the performance of different investment segments. No single segment always leads. In this edition, we present a 10-year equity performance tracker, ranking annual returns across market-cap segments. Stability and strong fundamentals supported large caps, whereas micro caps underperformed amid heightened investor caution in 2025. By Sameer Bhardwaj.
Best large & mid cap funds to invest in September 2025
According to mutual fund advisors, these schemes will evolve over a long period. There will be schemes that will be inclined towards large cap stocks and some schemes will be leaning toward mid cap stocks. This will make it easier for investors to choose the schemes based on their risk tolerance.
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VUCA World Reality: Growth intact, but valuations look stretched
Investors must navigate the volatile market carefully. US tariffs will marginally impact India's GDP. India focuses on reforms to boost growth. GST rationalization can significantly boost demand. Growth is likely to pick up from Q2 FY26. Moderate returns are expected. High valuations prompt FIIs to sell. Prioritize safety by investing in fairly-valued high-quality stocks. Smallcaps are excessively valued.
Why your returns from your mutual fund investment are different from the MF’s returns shown in the factsheet, on online platforms
Saurabh Sharma's anxiety over mutual fund NAV dips and mismatched returns highlights a common investor concern. Understanding the difference between standardised fund performance and individual investment returns is crucial. Investors should evaluate fund performance against its peers over longer periods to determine if staying invested is beneficial, rather than focusing on short-term volatility.
Dynamic bond mutual funds: Investors supposed all-interest-rate investment has failed in current rate cut-cycle
Amid the bond market’s season of woes, dynamic bond funds appear to have badly miscalculated the payoffs from the rate-cutting cycle
GST removed from life, health insurance but how much will you gain?
No Goods and Services Tax means no additional cost on premiums. But the savings you see will hinge on how companies reprice policies.
Know Your Fund Manager | Sorbh Gupta, Head- Equity, Bajaj Finserv AMC
I was born in Binnaguri, near Darjeeling in West Bengal, where my father worked as a tea estate manager. I spent my childhood in Darjeeling and completed my primary education at a convent boarding school there.
Stalin concludes Europe tour to attract investments to Tamil Nadu, set to return on September 8
Chief Minister M.K. Stalin concluded his European tour, securing over Rs 15,000 crore in investment commitments for Tamil Nadu. He expressed gratitude for the warm reception from the Tamil diaspora in Germany and the United Kingdom. These investments are projected to generate 17,613 new job opportunities, adding to the 10.62 lakh crore already attracted since 2021.
The Golden Thumb Rule | For Gen Z investors, time in the market beats timing the market, says Kaustubh Belapurkar
Gen Z's pursuit of quick gains in mutual funds clashes with the reality of wealth creation, which demands patience and time in the market. Kaustubh Belapurkar advises investors to focus on diversification, understand metrics like capture ratios, and resist the urge to frequently switch funds. Staying invested in well-managed strategies, even through market cycles, is crucial for long-term success.
108% return on Sovereign Gold Bonds: RBI announces premature redemption price of this SGB series
The Reserve Bank of India has announced the premature redemption price for Sovereign Gold Bonds (SGB 2020-21 Series-VI) at Rs 10,610 per unit, due on September 6, 2025. These bonds, issued at Rs 5,117 per gram in August 2020, offer an absolute simple return of approximately 107.35% upon premature redemption, excluding interest.
Smart investment: How can you get Rs 1 lakh monthly passive income
To generate a steady monthly income of Rs 1 lakh (Rs 12 lakh annually), the required investment corpus depends on the rate of return you expect your corpus would generate. Saving a lot of money per month has its own challenges due to a rise in inflation.
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
Buy Rs 1 cr home with own fund or loan? This CA tells choice is not that simple, she reveals how to take a final call
Chartered Accountant Ruchita Vaghani's analysis on X compares buying a Rs 1 crore home with cash versus a loan. Paying cash offers peace of mind and immediate ownership, while a loan provides liquidity, tax benefits, and potential investment gains. She says for an Rs 1 cr 20-year home loan taken at 8.5% interest, the EMI will be Rs 86,000, and their total outgo will be Rs 2.07 cr.
Best small cap mutual funds to invest in September 2025
According to the Sebi mandate, small cap schemes must invest in companies that are ranked below 250 in terms of market capitalisation. These schemes also will have to invest at least 65% in small cap stocks. Small companies go through many ups and downs - more than the established companies in the large and mid cap segments.
The Golden Thumb Rule| Don’t drive with the rearview mirror — Kaustubh Belapurkar on why past performance misleads investors
Kaustubh Belapurkar cautions investors against solely relying on past performance when selecting mutual funds, highlighting that chasing top-performing funds often leads to disappointment due to poor performance persistence. He emphasizes the significance of evaluating risk-adjusted rolling returns, SIP returns, the strength of the investment team, and the consistency of the investment process for sustained success.
Best mid cap mutual funds to invest in September 2025
As per Sebi norms, the mid cap mutual funds are mandated to invest in companies that are between 101 and 250 in the market capitalisation. These companies can be leaders of tomorrow. That’s what makes them great bets. If these companies live up to the promise, the market will reward the investors handsomely.
Top equity mutual funds that delivered highest returns so far in 2025
Equity mutual funds gave returns up to 26% this year. Around 482 equity mutual funds marked their presence. Nippon India Taiwan Equity Fund topped with 25.59% return. Aditya Birla SL Intl. Equity Fund delivered 25.44%. HDFC Transportation and Logistics Fund gave 18.90%. Shriram Multi Sector Rotation Fund lost the most, around 24.96%. Samco Flexi Cap Fund lost 17.
Invest Rs 5000, get Rs 3 crores: CA's investment lesson on 'time in the market vs timing the market'
Starting small and early can make a huge difference in wealth creation, according to Chartered Accountant Nitin Kaushik. He explained that investing Rs 5,000 per month from the age of 25 can grow into nearly Rs 3 crore by 60, assuming a 12 percent return. However, delaying the same plan by a decade reduces the corpus to around Rs 95 lakh, costing over Rs 2 crore in potential gains.
REITs or SM REITs, where should you invest to gain from real estate returns?
REITs make real estate investing more accessible for smaller investors and allows them to diversify their portfolio with skyscrapers, shopping malls, or apartments. Following the success of REITs, SEBI introduced a regulatory framework for small and medium REITs in March 2024.
Best large cap mutual funds to invest in September 2025
According to the Sebi mandate, the large cap mutual funds are mandated to invest in top 100 companies by market capitalisation. Large companies fare better in a volatile market as these companies may be market leaders and resilient to downturns. That is why if you are looking for a relatively safer mutual fund category, you should consider investing in large cap funds.
How can investors effectively allocate to gold through mutual funds and ETFs?
Domestic gold prices have risen sharply, attracting new investors. Mutual funds offer an easy way to invest in gold. Investors can buy gold ETFs or gold funds. These funds eliminate storage worries and purity concerns. There are 21 gold ETFs managing significant assets. Gold has delivered strong returns over the past decade.
Gold and silver ETFs rally 40% in a year; what’s the best mutual fund strategy?
Gold and silver prices are soaring. Exchange-traded funds based on these metals have given good returns. Tata Gold ETF and Tata Silver ETF are top performers. Experts suggest allocating a portion of investment portfolios to precious metals. Geopolitical tensions and industrial demand are driving the rally. Investors should consider SIPs to manage volatility. Experts recommend aligning investments with long-term goals.
Top 10 mutual funds to invest in September 2025
We have chosen two schemes from five different equity mutual fund categories - aggressive hybrid, large cap, mid cap, small cap and flexi cap schemes – which we believe should be enough for regular mutual fund investors. There are caveats: read till the end to ensure you are picking up the best scheme for you.
Can 8.25% EPF return match 16% equity return? CA explains unique situations how it can
A chartered accountant illustrates scenarios where EPF's 8.25% return can match 16% equity returns over five years, highlighting EPF tax advantages under the new regime. Employer contributions to EPF are tax-free, unlike equity investments where taxes may reduce the investable amount. To match EPF's corpus, equity needs a 16% post-tax return, a figure that decreases with longer investment horizons, as per the CA.
13 smallcap mutual funds never posted negative returns in last 5 calendar years
A study reveals that 13 small cap mutual funds consistently delivered positive returns between 2020 and 2024. However, in 2025, most of these funds experienced negative returns. Axis Small Cap Fund and Canara Robeco Small Cap Fund saw declines. Nippon India Small Cap Fund also faced losses.
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