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Asset Allocation

Investors are of all kinds - the dare-devil-come-what-may sorts that are willing to take high risks for high profits, the let's-not-get-carried-away- conservatives that are only willing to take the minimum-most risk in exchange for assured capital return, and the most common sort - the moderate-in-betweeners. Moderate investors are those who walk the line between risk and surety, volatility and stability, hoping to get the most out of their money with the least chances of loss. Veteran investors will know that this is perhaps the best line to walk, as many choose to do. This involves placing your money in both equity and debt investments, ensuring a balance between the two. There's more to asset allocation than just picking a few equity and debt investments, placing your money there, though. You need to understand that your money needs supervision. Your investments need correction every now and then.

Your targets will likely change over time; you need to ensure that you change your investments accordingly. If your retirement is still quite a far off thing, then you can afford to lean towards long-term equities in your portfolio. On the other hand, if you're likely to retire in a few years, best to play it safe and stick to the debt funds for the most part. Bear in mind that your investments won't always react the same way to various situations. Some will behave profitably while others don't. You need to keep a sharp lookout and steer your portfolio through troubled waters. You can choose to re-balance your portfolio either on a time bound basis or on a performance threshold basis. Time bound rebalancing would mean that at a particular period, regardless of the performance, you would re-arrange your investments. On the other hand, performance threshold ensures that when your investments go beyond a particular point from your target, you can rein it back in.

The best would be to combine the two, check at particular points of time and see if it veers off the target beyond a particular point. At this point, you can choose to re-allocate your investments. Remember that frequent re-allocation would mean you would lose money on the taxes and sales load. It's best that you only allocate your investments as and when necessary and only if it goes beyond a set point in your financial mappings. Investing in amutual fund is a serious matter, which requires a good deal of thought. Make sure that you do a thorough research and give a great deal of thought to your potential investments.




Regular investing in MF schemes reached a new milestone, with SIP accounts crossing 4 crore and SIP AUM reaching an all-time high of Rs 483,964 crore
Fri, 09 Jul 2021 12:12:17 +0530


Investors have put in bids for 74.15 crore equity shares against offer size of 56.85 lakh equity shares, the subscription data available on exchanges showed.
Fri, 30 Jul 2021 11:36:54 +0530


Exxaro Tiles IPO: The company will utilise the net proceeds from fresh issue for repaying debt (Rs 50 crore), and working capital requirements (Rs 45 crore).
Fri, 30 Jul 2021 08:32:08 +0530


Devyani International IPO: Investors seem to be more excited about the issue, especially after the great success of IPOs of Zomato and Barbeque Nation Hospitality.
Fri, 30 Jul 2021 08:18:34 +0530


The net proceeds from its fresh issue will be utilised for repaying of debt (Rs 50 crore), and working capital requirements (Rs 45 crore).
Thu, 29 Jul 2021 18:15:56 +0530


Tatva Chintan traded with volumes of 78.60 lakh equity shares on the NSE and 8.99 lakh shares on the BSE
Thu, 29 Jul 2021 17:43:36 +0530


Tatva Chintan Pharma Chem IPo shares gained more than 100 percent in one of the strongest listings in 2021. GR Infraprojects rallied 108.7 percent and Indigo Paints climbed 109.31 percent on listing day
Thu, 29 Jul 2021 12:54:45 +0530


Rolex Rings IPO has, so far, received bids for 2.87 crore equity shares against an initial public offering size of 56.85 lakh equity shares
Thu, 29 Jul 2021 11:53:10 +0530


Glenmark Life is planning to raise Rs 1,513.6 crore through its IPO, which comprises a fresh issue for Rs 1,060 crore and an offer for sale of 63 lakh equity shares by Glenmark Pharma
Thu, 29 Jul 2021 11:29:06 +0530


Tatva Chintan IPO was subscribed 180.35 times. The specialty chemical company will utilise net proceeds from its fresh issue to expand its manufacturing facility in Dahej and upgrade the RD facility in Vadodara
Thu, 29 Jul 2021 10:00:23 +0530


Windlas Biotech IPO: Promoter Vimla Windlass will sell 11.36 lakh equity shares, and investor Tano India Private Equity Fund II will offload its entire stake of 40,06,067 equity shares (or 22 percent of pre-offer paid up equity) via offer for sale.
Thu, 29 Jul 2021 08:10:42 +0530


The company will separately announce price band and lot size for its IPO in coming few days. The issue will close on August 6.
Wed, 28 Jul 2021 18:55:01 +0530


The price band for the offer could be disclosed separately by the company in coming days. The issue will close on August 6.
Wed, 28 Jul 2021 13:12:35 +0530


Arihant Capital has come out with its report on Rolex Rings. The research firm has recommended to #39;#39;Subscribe#39;#39; the ipo in its research report as on July 27, 2021.
Wed, 28 Jul 2021 12:29:56 +0530


KR Choksey has come out with its report on Rolex Rings. The research firm has recommended to #39;#39;Subscribe#39;#39; the ipo in its research report as on July 28, 2021.
Wed, 28 Jul 2021 12:23:59 +0530


Considering the business growth outlook and almost stable operating margins, Choice Broking assigned a #39;subscribe#39; rating to the issue.
Wed, 28 Jul 2021 11:42:58 +0530

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