RBI rate cut: Best debt mutual funds across categories. Find out which one suits you

THE ECONOMIC TIMES Tue, Mar 31, 2020 | 08:13 AM IST ET Wealth Newsletter

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RBI rate cut: Best debt mutual funds across categories. Find out which one suits you There are a variety of debt mutual fund options, each suited for the needs of different investors. You can use debt funds to save for your child's annual education expenses. Or save up enough to pay the down payment of your house next year. Debt mutual funds can be risky. Here's how to safeguard yourself Due to the slowdown in various sectors, debt funds are struggling with issuers who fail to fulfill their obligations. Many fund houses were forced to mark down the value of stressed assets, which hit NAVs badly. These banks have cut interest rates on loans For instance, Bank of Baroda announced that it has reduced its repo-linked lending rate (BRLLR) by 75 bps with effect from March 28, 2020. Coronavirus online scams: How to protect your data and device Riding on the rise in online search about Coronavirus, e-mails and websites are being used to steal your data. The theft of information takes place either through malware dropped on to the device or ransomware circulated as part of a mobile app. From our Partners The bank that helps you build your career The organisation that lets you take journey from a Humble Start to the C Suite. From our Partners Must Read - Incredible opportunities offered by J.P. Morgan to its employees Use this stock market crash to build a portfolio of quality stocks. Here's how Previous market crashes have shown that stocks that lead the uptick before the peak are usually the ones that correct the most. In the 2000 rout, tech stocks took a beating while many industrials suffered in 2008. To benefit from stock market turmoil, NPS investors should increase equity allocation Since NPS is a long-term retirement product, maintaining the asset allocation is the best strategy. However, it makes sense to add more equity (or going overweight on equities) in times like this. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 8.10 -9.12 -17.94 -19.77 Invest Now Axis Bluechip Fund-Growth ★★★★★ 6.66 -10.20 -18.39 -19.85 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 2.90 -14.82 -18.17 -22.32 Invest Now Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 1.71 -15.89 -18.69 -22.43 Invest Now Motilal Oswal Focused 25 Fund Direct-Growth ★★★★★ 0.16 -15.36 -21.56 -23.45 Invest Now FeaturedL&T India Large Cap Fund Direct-Growth ★★★★★ -2.68 -23.82 -25.89 -25.67 Start SIP Are your balanced advantage mutual funds living up to their promise? The market carnage over the past month has clearly tested individual models guiding each balanced advantage fund. These funds shift allocation between equity and debt in response to specific indicators given by their in-house algorithms. Coronavirus lockdown: What's the future of your company? Use this time to up career skills The ongoing all-India lockdown could be lifted after 21 days or get extended. If the latter happens, the economy will get worse and firms may have to shut shop. Here's how you can achieve career growth even in a lockdown, as you preprare for things to swing either way.

FEATURED SLIDESHOWS

Coronavirus and career: How to recession-proof your worklife Budget-friendly laptops to step up your work from home game ​5 changes to card transactions from March 16 How to ace your annual appraisal in eight steps More Slideshows

Financial Calculators Old or new tax slab regime? Use this calculator to find out 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. 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.

Coronavirus health insurance policies: 5 things to keep in mind Coronavirus-specific insurance policies are being launched by insurers. Here are important points to know about the coverage and conditions. Coronavirus impact: Don't panic buy, instead focus on identifying the better stock bets Do not panic buy, since we are deep into a blind knee-jerk territory right now. This inevitably will again turn into a selling panic as something else happens tomorrow morning and back again in a couple of days. Coronavirus and stock market: How to make the market crash work for you Is market entering the bear phase good news for investors? Market experts certainly think so. Arbitrage mutual funds: Equity funds that work like debt funds Arbitrage funds generate returns close to the returns generated by short term debt funds. These schemes offer investors the best of both worlds: the safety of principal and the tax advantage available to equity funds. Coronavirus lockdown: 3 ways households can lend a financial helping hand to the underprivileged Without a community that respects the services of workers, and chips in to support by way of demand where possible, subsidy where needed, lending where feasible, and charity without loss of self-respect, how would we protect the vulnerable? Money and relationships: During coronavirus, here's how to help others without hurting your finances Many people are in distress due to the impact of coronavirus, financial or otherwise. Such situations are entirely beyond one's control. Here's how you can help family or friends who ask for assistance during the current crisis without hurting your own finances. Coronavirus crisis: Not sure if you should continue with equity investments? Read this The long-term returns from equity investments tend to beat inflation. The ability of equity to earn a higher return comes from the businesses being able to use borrowed funds, invest them in assets and earn a return that is higher. All you need to know about investing in direct plans of mutual funds Mutual fund investments come with two plan options- regular and direct. NAV of direct plan is higher than regular plan because they save on commission. While these two are separate plans, the portfolio of the scheme remains the same. How Sensex, gold, 10-year G-sec performed during week ending March 26, 2020 Here is a weekly tracker to keep you updated on how Sensex, gold prices, 10-year government bond yield and consumer inflation performed. MF portfolio doctor: Mishra needs to invest more, defer retirement to meet goals The mutual fund portfolio doctor gives advice based on the performance of the funds, the risk profile of the investor as well as his financial goals. Find out what his analysis of these two investors' portfolios was. Realty hot spot series: Infrastructure is the main draw of this Mumbai suburb Andheri(East) and Jogeshwari(East) is an established micro-market in Mumbai. It is located near key employment hubs. Popular malls and social spots including Phoenix Marketcity, Infiniti Mall and Inorbit Mall are situated in close proximity too. Estate planning: What are the coparcenary rights of a daughter in a joint family business? The Hindu Succession Act 2005 gives the daughter the same rights in a coparcenary property as the son. By birth she becomes the coparcener in her own right in the same manner as the son.

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40% CAGR return for a decade! 12 ideas if you want to think long term

THE ECONOMIC TIMES Fri, Mar 27, 2020 | 08:18 AM IST ET Investment Opportunities

40% CAGR return for a decade! 12 ideas if you want to think long term 20 of today's Nifty constituents are highly likely to be booted out over the next 10 years. Buy some, wait a bit, and then buy again. That's the way to invest now Robert Pavlik of StateStone Wealth says the world is going to go through an economic recession; there is no doubt about it. But it is not going to go to hell, as Bill Ackman wants you to believe. It is just nonsense. Stocks that are down 30-40% will rebound faster: Samir Arora Economy may take six-to-nine months to recover, says the founder of Helios Capital. At 20-year lows and single-digit PEs, these stocks are worth a look Some analysts on Dalal Street feel the selloff in this pocket is unwarranted.

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Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) Axis Bluechip Fund Direct Plan-Growth -19.22 -14.96 -4.62 9.82 Axis Bluechip Fund-Growth -19.30 -15.42 -5.72 8.38 Canara Robeco Bluechip Equity Fund Direct-Growth -22.20 -15.62 -10.85 4.49 Canara Robeco Bluechip Equity Fund Regular-Growth -22.27 -16.14 -11.92 3.29 Motilal Oswal Focused 25 Fund Direct-Growth -22.75 -18.74 -11.42 1.53 FeaturedAxis Long Term Equity Direct Plan-Growth ★★★★★ -22.42 -17.10 -8.76 5.43 Start SIP

Economic Times Biz Listings Are you a Financial Service Provider? Are you looking for Financial Advice? List your Business to get Leads Find trusted Professionals near you

Mobius likes Alibaba and gold amid the global market meltdown Broadly, Mobius said he was readjusting his portfolios with selective investments. Confused which stocks to pick after the rout? Buy all of them That's the straight and simple way of saying: go for an index fund. 20 stocks in Jhunjhunwala's portfolio at 52-week lows. Time to buy? Analysts are anticipating a deep impact on the economy and growth because of the lockdown. You always rued missing these IPO shares; now buy below issue prices As many as 270 of the newly-listed stocks of recent years now trade below their issue prices.

Advertorial Why Term Insurance is crucial if you are Self Employed? Advertorial How difficult can it be to breathe again? Dr Suryanarayan Pichai's story of life, challenges and hope will leave you inspired

Top 500 stocks need to rally up to 4,400% to revisit their recent peaks The list includes hundreds of names that have m-caps in excess of Rs 20,000 crore. After coronavirus hit, this stock could be a multibagger in the making! Based on recent mgmt commentary, analysts have cut earnings estimates for the company.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date   DJ Mediaprint & Logistics Ltd. 20.00 26-03-2020 31-03-2020 More >>

Real Estate News

Housing sales dip 42% in Jan-Mar at 45,200 units Perhaps the only silver lining is that developers were able to shed nearly 3% of their unsold inventory in a year--at 6.44 lakh units now against 6.65 lakh units in March quarter 2019. However, the decline was mere 1% on a quarterly basis.

Over 15 lakh units under-construction may come to a halt Of this, Mumbai Metropolitan Region & National Capital Region together comprise 57% or approximately 8.90 lakh units. NCR has 27% or over 4.25 lakh units in various stages of construction. All these units were launched between 2013 till 2019-end.

Realtors pin hope on festive season, may offer freebies Many builders in the city are offering a component in property registration, free club membership, cash discount and gifts among other items. A few realtors said clearing unsold stocks in the present market will turn out to be difficult.

Realty developers prepare to keep residents safe during lockdown The developers who are managing the society are sanitising all entry points and closed public areas including parks, gym, clubs and swimming pools. Since senior citizens are at greater risk, developers operating the senior citizen apartments, are also taking extra measures to prevent spread of the virus.

Covid-19 impact: Construction projects hit as workers keep away More than 30% construction workers are staying away from work sites due to fear over coronavirus infection and many of them may have returned to their villages or are planning to do so, they said. Contractors are also not keen on pushing them either.

NFO - Non FMPs Fund Name Category Type Open Close Min Inv   L&T Nifty 50 Index Fund Reg-D Equity: Large Cap Open-ended 24 Mar 2020 31 Mar 2020 5,000 L&T Nifty 50 Index Fund Reg-G Equity: Large Cap Open-ended 24 Mar 2020 31 Mar 2020 5,000 L&T Nifty Next 50 Index Fund Reg-D Equity: Large Cap Open-ended 24 Mar 2020 31 Mar 2020 5,000 L&T Nifty Next 50 Index Fund Reg-G Equity: Large Cap Open-ended 24 Mar 2020 31 Mar 2020 5,000 L&T Nifty 50 Index Fund Direct-D Equity: Large Cap Open-ended 24 Mar 2020 31 Mar 2020 5,000 More >>

Views and Recommendations

Buy Tata Steel, target price Rs 594: ICICI Securities 26 March, 2020, 01:11 PM IST Considering the large extent of possible earnings correction, the brokerage sees deep value in the stock purely on the basis of asset-based valuation (P/B). Buy Buy Amber Enterprises, target price Rs 1,830: Angel Broking 26 March, 2020, 12:50 PM IST The company is a one-stop solutions provider for the major brands in the RAC industry and currently serves eight out of the 10 top RAC brands in India. Buy Buy UltraTech Cement, target price Rs 5,373: Angel Broking 26 March, 2020, 12:42 PM IST The brokerage is positive on the long-term prospects of the company, given the ramp up from acquired capacities and pricing discipline in the industry. Buy Buy Metropolis Healthcare, target price Rs 1,466: ICICI Securities 26 March, 2020, 11:52 AM IST The recent correction in stock price has made the valuations reasonable. Buy

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