Wishing you joy, peace, and prosperity this Eid-al-Fitr! Let's embrace gratitude and share kindness. Eid Mubarak, friends! :)

Having clear investment timelines will aid informed decisions:
- There is need to simplify capital gain taxation
- Long term for debt is 3 years, while equity is only 1 year, creating discrepancy
- Exit loads should act as a guide for the minimum investment period

Kavita Thapliyal/कविता थपलियाल

The culture of an organization is how its people commonly react subconsciously to the same situations.

Indian household savings exhibit signs of financialization:
- Equity investments represent only 4-5% of household savings
- India requires robust companies for stable financialization
- Without them, Indian households face hurdles in equity participation

Shail Bhatnagar

You don’t make money when you take a right decision in the equity market!

You earn when the entire market realises that you were right!

FII’s confidence in Indian market’s potential is high:
- The broader market and small-cap indices have outperformed Nifty this year
- FII have a preference towards the continuity of the government
- Nifty's returns are expected to be at 12-13% in the next 4-5 years

Neeraj Bajpai

SIPs and STPs help efficiently reduce risk:
- They both enable phased investments, benefiting from market fluctuations
- STPs begins with investing in debt fund & transferring to equity
- With SIPs money is debited directly from the bank account

Swati Raina

Diversification is crucial for reducing market risk:
- Asset-level: Don’t get attached to a specific asset class
- Product-level: Invest in several MF schemes from the 385 active schemes
- AMC-level: Avoid concentrating all investments in a single fund house

Swati Raina

Make decisions based on the reliability of mathematics, not the uncertainty of hearsay. Let logic and data guide your choices.

SIPs require long-term consistency:
- Be focused on long-term goals; avoid distractions due to market fluctuations
- Don’t worry about market falls; it allows buying units at lower prices
- Volatility benefits SIPs; market's frequent drops show its cyclical nature

Sonal Bhutra

Standard Deviation helps measure risk in Equity Markets:
- With an expected 14% return and 8% standard deviation, actual returns can range from 6% to 22%
- Lower standard deviation implies lower risk
- Excel offers built-in formula which simplifies risk assessment

Swati Raina

The world is going to become more complex, making it difficult to ignore risks. Risks are important because that's the only thing you control; returns, you can only pray for.

Know your present situation before rebalancing:
- Just as every stock is different, every investor's portfolio is unique
- Analyse your current portfolio & strategise accordingly in large, mid, & small-cap funds
- If small-cap exposure is over 50%, consider rebalancing portfolio

Embrace market fluctuations as they often lead to higher returns:

- Invest in MFs consistently, regardless of market timing
- Similar to how expenses & income are recurring, investments should be as well
- Give equity the same time to grow as real estate & gold

Anchor Dr. Tanwi Sinha

News should bring our attention to a subject, and data should be used to derive actions. Unfortunately, many people act only on the news and skip the step of gathering data.

Discussed SEBI's latest notification on small-cap fund managers and analysed the impact on markets, liquidity, and investor sentiment. Read the article below to know more:
ecoti.in/lUQsQb via @economictimes

A classic case of lost in transition - most people listen to respond rather than listening to understand!

A gentleman informed me that his entire investment portfolio was performing well, and it concerned me. It got me thinking that if all his investments are doing well together, then wouldn’t all of them do badly together? That’s why you need a Plan B in your portfolio!

Per historical data, Nifty typically falls ~10% from its peak to trough in a normal year. But it isn't surprising, as markets tend to find its own reasons to fall each year. Key lesson- expect market downturns & not panic, as markets tend to recover within an average of 54 days.