PrimeInvestor - Articles and Reports

Why you shouldn’t fall for ESG pitches
General
Aarati Krishnan

Why you shouldn’t fall for ESG pitches

“Why are the so-called expert investors in India so disinterested in ESG funds?”. A young investor asked me this question at a recent event and it gave me food for thought. It is true that at PrimeInvestor, we are not fans of ESG investing either. We don’t go out of our way to cover ESG funds or ‘green’ bonds and deposits, unless they offer great returns. 

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ULIP vs. Mutual Fund - where should you invest?
Mutual funds & ETFs
Pavithra Jaivant

ULIP vs. Mutual Fund – where should you invest?

As far as investment products go, ULIPs (short for Unit Linked Insurance Products) have the reputation of being the ‘bad boys’. While investor wariness toward ULIPs in their earlier avatar was justified, they have evolved since their pre-2010 days following changes made by IRDAI. However, ULIPs have still not entirely managed to shake off their reputation. In this article, we pit the present day ULIP vs. mutual funds – and compare them on parameters such as their function, how they invest your money, liquidity, expenses and tax treatment and see how they stack up.

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Debt fund strategies for the current rate scenario
Strategies
Bhavana Acharya

Debt fund strategies for the current rate scenario

The Reserve Bank’s monetary policy on Wednesday served up another repo rate hike of 35 basis points, adding to the 190 basis points through this year. That takes the repo rate to 6.25% from the Covid low of 4%. The key driving factor behind the rapid rate hikes – that of inflation – still remains. The RBI has clearly spelt its commitment to bringing inflation within the target range, even in its latest monetary policy.
In this light, debt fund strategies you have now, to make the most of the current scenario, can be decided based on what you want:

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How to review your mutual fund portfolio
Strategies
Vidya Bala

How to review your mutual fund portfolio

When answering the question of ‘How to review your mutual fund portfolio’,  some of the frequently asked questions that we receive from you are as follows :
“My fund is underperforming. Should I sell it or not?”.
“How to go about selling a fund – in one shot or in a staggered manner?”
“How long should I hold an underperformer?

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Use this passive fund for your large-and-midcap exposure
Recommendations
Bhavana Acharya

Use this passive fund for your large-and-midcap exposure

A few weeks ago, we had written in detail the categories in which we think passive funds have become a necessity to keep your portfolio returns stable; even if you hold active funds. We made this call as performance of active funds were becoming relatively more inconsistent, in a few key categories.

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Is it time to add passive funds to your portfolio?
Strategies
Bhavana Acharya

Is it time to add passive funds to your portfolio?

In any portfolio that features equity funds, the long-running debate is whether one should go for active or passive funds. We, on the other hand, have held that a portfolio can well feature both active and passive funds using each where it does best. Of late, we have also been of the opinion that there are some categories where you should have passive funds if you are to keep returns up – even if you hold outperforming active funds.

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Mutual funds vs PMS – Pros and Cons
General
R Balakrishnan

Mutual funds vs PMS – Pros and Cons

For investors who can write a single cheque of Rs 50 lakh or more, Portfolio Management Services (PMS) have emerged a popular vehicle for investment into equities. In effect, PMS is identical to investing directly in shares, the main difference being that you have given absolute power to the PMS agency to buy/sell shares on your behalf and your portfolio choices are left to them.

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Quarterly update – changes made to Prime Portfolios
Recommendations
PrimeInvestor Research Team

Quarterly update – changes made to Prime Portfolios

Prime Portfolios are a set of 19 unique portfolios that meet over 30 different investor timeframes and needs. Prime Portfolios are listed under Ready-to-use-portfolios in the Recommendations dropdown. These portfolios primarily use mutual funds, but where there are better-suited products such as deposits or government schemes, the portfolios include those as well.

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Quarterly review – changes to recommendations in Prime Funds & Prime ETFs
Recommendations
PrimeInvestor Research Team

Quarterly review – changes to recommendations in Prime Funds & Prime ETFs

Prime Funds narrows the choice of the thousands of funds out there in the market into a list of 50-60 funds that you can pick from to invest. This quarter we have made some additions to gain from the renewed strength that the equity market is exhibiting, the recession fears in the US notwithstanding. There are some additions in the debt space as well, as yields moved up.

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How to identify mutual fund overlap in your portfolio
Strategies
Bhavana Acharya

How to identify mutual fund overlap in your portfolio

A few weeks ago, we’d launched a new tool on our platform – the mutual fund overlap tool. This tool shows you how much two funds or three funds have in common between them. But how exactly should you use this overlap information? When is overlap high? What should you do if your funds share a high overlap? Or why is overlap even important?

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short term money
Bonds & Deposits
Aarati Krishnan

Have short term money to park? Here’s a cast iron option

Lately, it is not just India’s stock market that has been hopping all over the place like an impatient child. The bond market has been doing it too! India’s 10-year government bond yield, which sets the benchmark for all other debt instruments, climbed vertically from 5.8% in July 2020 to 7.61% in June 2022. But after that, it has been unable to make up its mind on whether to climb higher or pause for breath. 

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