Nikhil Walavalkar is the Editor of Personal Finance at moneycontrol.com. He focuses on topics such as markets, inflation, and the financial implications of holidays like Diwali in India. Nikhil's insights and analyses are featured in various articles that aim to empower readers with knowledge about personal finance in the context of the Indian economy.
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Nikhil’s coverage predominantly focuses on investment analysis and data-driven insights within the Indian financial sector. He is likely to be responsive to pitches that offer in-depth analysis of investment opportunities, trends affecting mutual funds, debt funds, retirement planning, and asset allocation specific to India.
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By: Nikhil Walavalkar
Volatile stock markets and depleted household savings in the US have only led to an increase in household borrowings and credit card debt. Going forward, the consumer’s support to the US economy is expected to dwindle. To protect from such external shocks, gold is a good asset diversifier.
Gold loan lenders are regulated entities and provide written notice of default before initiating legal action against a defaulter. This notice does not intend to convict borrowers or strip their rights, instead offer a specified period to repay the outstanding dues.
By: Nikhil Walavalkar
The IT sector has returned a paltry 5.06% in the last year. But that hasn’t stopped fund houses from being bullish on tech-sector funds. Most of such schemes invest primarily in IT companies listed in India. Should you invest when the sector has fallen so much?
The proposed mergers of schemes at PGIM Mutual Fund are a change in their fundamental attributes. Hence, in line with mutual fund regulations, the fund house has given an exit option (without exit load) to investors
By: Nikhil Walavalkar
The dividend option aims to periodically put some money in the hands of investors. But it is at the sole discretion of the fund house. WhiteOak Capital’s strategy is contrary to fund houses that opened close-ended schemes with only dividend options
In order to make mutual funds more transparent, SEBI has over the years mandated that asset management companies inform investors of important changes via email, if it affects their money. These could be a change of the fund's mandate to a change in its investment objective.
Though inflation is not expected to pick up materially, rate cuts may still take time. So this could be a good time to invest in debt funds
By: Nikhil Walavalkar
Government security, or g-secs, come with very little to negligible credit risk. But some g-secs are liquid, mostly the 10-year benchmark. However, long-term government bonds are generally bought by institutional investors, not so much by individual investors. Here’s a look at its prospects.
By: Nikhil Walavalkar
The fund house will keep net equity exposure in the scheme in the range of 5-30 percent but use spot-future arbitrage to maintain the gross equity allocation above 35 percent.
Look for spikes in bond yields to shift from short-term debt funds to long-term debt funds. If you wish to invest in fixed deposits, prevailing rates are attractive. Do not chase yields as it may indicate higher credit risk.
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