Bond credit rating downgrades: How safe are the 'safer' debt mutual fund categories?

THE ECONOMIC TIMES Tue, Sep 25, 2018 | 06:32 AM IST ET Wealth Newsletter

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Bond credit rating downgrades: How safe are the 'safer' debt mutual fund categories? Several debt funds have invested in poor quality bonds in their bid to chase high yields. 6 reasonably priced NBFC stocks to invest in Valuations of NBFC stocks are a mixed bag. Here are the segments that are still reasonably valued. IL&FS downgrade: Returns on Ulips, insurance, NPS funds may be hit in short-term Given that public sector behemoth LIC holds 25% stake in IL&FS, the ripples of the crisis are bound to be felt in the life insurance sector. The metamorphosis of Cleartrip Cleartrip is quietly scripting its own transformation via West Asia The pros and cons of Sebi's move to cut total expense ratio Mutual-fund distributors are upset that Sebi has played party pooper with its new rules on total expense ratio. But investors should thank the market regulator. Why narrowband is the best choice for enterprise IoT For a terrain that involves multiple standards and technologies, Indian telecom players need to spend their money wisely. Narrowband IoT could be worth investing in. From our Partners Recognising The Best Inherited Minds in the Business. Nominate Now Register today to celebrate your family business story. From our Partners Steps to reach your life goals We all have life goals that we need to focus on. Whether it is planning for your dream vacation or dream wedding, investing in the right financial instruments is the key to turning your life goals into realities. 7 stocks which have the highest upside potential over next 1 year due to the companies' R&D focus Firms with differentiated products with lower costs tend to attain market leadership and are in a position to create entry barriers in the industry. Investors should diversify across debt fund categories: R Sivakumar, Axis Mutual Fund "There are two risks in bonds – duration and credit. We see duration risk clearly through the daily movement in the NAVs," says R. Sivakumar of Axis Mutual Fund. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) JM Core 11 Direct Plan-Growth -10.94 1.01 -4.64 16.71 JM Core 11 Fund-Growth -11.00 0.60 -5.41 15.17 ICICI Prudential Bluechip Fund Institutional I-Growth -2.20 8.16 9.64 14.69 ICICI Prudential Nifty Next 50 Index Direct-Growth -5.69 0.86 0.27 14.38 Axis Bluechip Fund Direct Plan-Growth -5.41 11.54 12.84 14.33 FeaturedPrincipal Tax Savings Fund Direct ★★★★★ -3.68 2.02 2.79 16.01 Start SIP How to avoid falling in the EMI trap by using SIPs of mutual funds 'Reverse EMI' by starting a SIP in a fund is a great demo of that fact that postponing expenses creates money while preponing them destroys it. What you stand to benefit and lose on surrendering a life insurance policy Here are the benefits and losses you may incur at various stages on surrendering your insurance policy.

Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.

Control your emotions to control your career Paul MacLean, the neuroscientist, introduced the triune model of evolution. It states that our brain has three independent regions and they control our thoughts or behaviour. Realty Hotspot Series: Connectivity is big plus point for Ghodbunder locality, Mumbai This locality is well-connected to office areas across Thane West, Mumbai, and Navi Mumbai. The proposed metro line would further strengthen connectivity. Are wealthy people morally obliged to give it back to society? We are a lucky generation that worked when India transitioned to a market economy and provided immense opportunities for career and entrepreneurship. Should you avoid equity because of volatility? A mother does not want to take risk with her money by investing in equity. But her daughter knows she must invest a little bit in equity. So, who is right? Big hike in small savings rates: Should you invest now? The government had linked rates of small savings schemes to yields of government papers of similar maturity in 2016. Investing in MFs? Check if exit load is too high or minimum investment period very long Some mutual fund schemes charge more than 1 percent for redemption within a year and others have increased the minimum period. Cut in TER of equity mutual funds: Should you change your scheme selection strategy? The capping of mutual fund expenses and changes in the commission payout structure is good news for fund investers. Do these developments call for a change in your fund selection strategy? How to cancel a PAN after death of the PAN holder While it is important to have a PAN, it is also equally important to cancel one that is allotted under certain circumstances such as on the death of the PAN holder. Want to invest in foreign financial markets? Here's a quick guide International investing opens doors to promising industries and companies that are not present in the local markets. Family Finance: Why salaried Sabharwals can achieve their financial goals easily Ashish and Aanchal Sabharwal goals include building an emergency corpus, buying a house and a car, saving for the child's education and wedding, and their retirement. Tax Optimiser: How IT professional Gupta can save Rs 78,000 in tax via home loan, NPS Rahul Gupta pays a very high tax, with almost 12% of his income taken away by the taxman. He can reduce his tax by almost Rs 78,000 via home loan, NPS. HDFC Taxsaver Fund: Not a consistent outperformer We examine the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. Stock pick of the week: Why analysts are bullish on Ramco Cements Volume growth of 21%, focus on eastern market for geographical diversification, capacity addition, and 25% correction in the stock has made it analysts' favourite.

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