Is Rs 50,000 salary enough to invest? Sebi advisor explains what actually works
Financial advisors say this income level is enough to begin building a long-term portfolio, provided the focus remains on discipline, safety and clear financial goals.
A mutual fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. Managed by professional fund managers, mutual funds offer an easy and accessible way for individuals to participate in the financial markets without needing deep market expertise. Each investor owns units of the fund, and the value of these units fluctuates based on the performance of the underlying assets.
Mutual funds come in various types, including equity, debt, hybrid, index, and sector-specific funds, allowing investors to choose options that match their risk tolerance and financial goals. They provide benefits such as diversification, liquidity, affordability, and expert management, making them a popular choice for both new and experienced investors. Through systematic investment plans (SIPs), individuals can invest small amounts regularly and build wealth over time. Understanding mutual funds helps investors make smarter decisions and align their investments with long-term financial planning.
Financial advisors say this income level is enough to begin building a long-term portfolio, provided the focus remains on discipline, safety and clear financial goals.
Weak corporate earnings, rising global trade worries and steady foreign fund outflows continued to weigh on investor confidence, pushing benchmark indices to their lowest closing levels in over three months.
Selling a long-held asset used to be a fairly predictable exercise. Inflation was factored in through indexation, the tax rate was known, and the final bill rarely came as a shock. That sense of certainty has faded.
Data released by the Association of Mutual Funds in India, or AMFI, showed that inflows into equity mutual funds fell 6% in December to Rs 28,054 crore.
A study by 1 Finance Research shows that over a 10-year holding period, more than 80% of equity mutual fund schemes leave investors in regular plans at least 25% worse off than those invested in the direct plan of the same scheme.
With a robust pipeline of mega initial public offerings, 2026 is likely to extend the strong momentum in India’s primary market.
Your salary rose, expenses changed, but your SIP remained at Rs 5,000. Over time, this small choice can quietly cost you several lakhs in missed wealth. Let’s understand how.
A lesser-known method is gaining attention, gifting mutual fund units to relatives to legally reduce, or in some cases completely avoid, tax on capital gains.
ICICI Prudential AMC opens its highly anticipated IPO for public subscription, offering an opportunity for investors to consider entry into one of India's largest asset management companies.
A Rs 10,000 SIP has become the go-to number for new investors. It sounds practical and easy to maintain. But is it truly enough to build wealth, or is it just a starting point? Here’s a simple look at what matters.
Are you planning to start investing with a Rs 5,000 SIP and thinking multiple funds will give you better diversification? Expert says this common approach may actually weaken your long-term returns. Here's how.
Is a Rs 10,000 monthly SIP smarter for long-term wealth, or does investing Rs 1.2 lakh at once create a bigger corpus? As markets turn unpredictable, this question is becoming more important for everyday investors.
Millennials swear by SIPs for long term investing, but are they mistaking convenience for safety? As market cycles turn unpredictable, is it time to rethink what “safe investing” really means?
AMFI’s October 2025 figures show just how deeply SIPs have entered the Indian investing culture. Monthly SIP contributions touched Rs 29,529.37 crore, the highest ever for the second month in a row and up 16.6% from a year earlier.
TRAI has directed banks, mutual funds, and pension fund firms to adopt “1600” phone numbers by early 2026, aiming to boost trust and curb impersonation-based fraud in financial voice calls.
People know SIPs are useful, they hear stories of long-term gains, and they see friends investing every month, but when it comes to choosing where to put a small amount like Rs 5,000, most feel lost.
Is it wiser to invest Rs 5,000 every month, or does a yearly Rs 60,000 lump sum genuinely create more wealth in the long run? We explore the answer here.
Most people believe a 12% equity return is strong growth, but according to an expert, the actual gain after inflation and taxes is much smaller. Here’s why your money may not be growing as much as you think.
SIPs allow people to invest small amounts regularly, and over time, these small steps can grow into meaningful wealth. Although Rs 1 crore sounds like a big number, it’s achievable and can be built one SIP at a time.
For young professionals, the lure of direct stocks, instant control, multi-bagger dreams, and social-media bravado is understandable. Yet four decades of global and Indian evidence reveal a sobering pattern: discipline and diversification, not adrenaline and instinct, drive enduring wealth creation.
A sophisticated 'digital arrest' scam in Delhi is the focus of this report, where an elderly couple was duped of nearly ₹14 crores. The victims, Dr. Indra, a former United Nations employee, and her husband Om Taneja, were held as digital hostages for 15 days by criminals impersonating police officers and Supreme Court judges. According to India Today's Arvind Ojha, the criminals used threats of a money laundering case to seize control, with a fake judge even appearing on a video call with a Supreme Court background. Ojha reports that the criminals used these tactics to get the couple to transfer their life savings, saying, 'she is digitally arrested for 15 days, and Rs. 14,85,00,000, in her account, the mutual fund, FDP, the cyber criminal has taken her money'. The couple, who run a charitable trust, have filed a complaint with the Delhi Police, who have launched an investigation into the massive cyber fraud.
This market closing report highlights the impact of the Securities and Exchange Board of India's (SEBI) new regulations on mutual fund fees and stockbroker norms. Experts analyze the unbundling of charges and its potential to lower costs for investors. The programme also covers the aviation sector, where an airline chief addresses recent flight disruptions and employee concerns. Additionally, a state finance minister discusses the challenges of central fund allocations despite reporting strong economic growth. The show tracks the day's market movements, noting a decline in benchmark indices driven by foreign investor outflows and weak global cues.
On this edition of Business Today, Anchor Abha Bakaya, Chief Analyst Shailendra Bhatnagar, and Geojit Financial Services’ Senior VP Gaurang Shah discuss the market’s reaction to SEBI’s major regulatory overhaul. The regulator has cleared proposals to lower costs for investors and mutual fund companies while replacing 30-year-old stockbroker rules. The show also tracks the Nifty’s outlook following a Jefferies report predicting the index will hit 28,300 by December 2026. In global news, US President Donald Trump claims his tariff policies have secured a record $18 trillion in investments. Giving his take on the reforms, Gaurang Shah says, ‘Bringing in transparency, clarity and discipline is the need and I am glad that these changes have been put in place.’
On this Special Report, Business Today anchor Sakshi Batra discusses the market closing action as the Sensex falls over 200 points. Market expert Sudeep Bandyopadhyay, Group Chairman of Inditrade Capital, advises investors to 'stay away' from Indigo shares following the airline's flight disruptions and parliamentary summons. He instead recommends buying Vedanta to capitalise on the surge in silver prices, which hit a record ₹2.06 lakh per kg. The programme also features advice from a financial planner on fixed deposits and debt funds.
This special report focuses on the unprecedented surge in silver prices in India, which are outpacing gold, and the resulting supply crisis. Key financial institutions like Kotak Mutual Fund, UTI Asset Management, and SBI Mutual Fund have been forced to suspend new lump-sum investments in their Silver ETFs due to a severe shortage of physical silver and soaring domestic premiums. An expert notes, 'this is supply tightness in silver and this is the war between buying between physical silver and digital silver.' The report examines the causes, including surging industrial demand and silver's new status as a 'critical material' in the US, and the impact on consumers and investors ahead of the festive season. With Diwali around the corner, the squeeze presents a tricky situation for buyers, as demand continues to outstrip supply, creating long waiting periods and high premiums in local markets.
This special report focuses on the unprecedented surge in silver prices in India, which are outpacing gold, and the resulting supply crisis. Key financial institutions like Kotak Mutual Fund, UTI Asset Management, and SBI Mutual Fund have been forced to suspend new lump-sum investments in their Silver ETFs due to a severe shortage of physical silver and soaring domestic premiums. An expert notes, 'this is supply tightness in silver and this is the war between buying between physical silver and digital silver.' The report examines the causes, including surging industrial demand and silver's new status as a 'critical material' in the US, and the impact on consumers and investors ahead of the festive season. With Diwali around the corner, the squeeze presents a tricky situation for buyers, as demand continues to outstrip supply, creating long waiting periods and high premiums in local markets.
This special report delves into the unprecedented rally in silver prices, which has led key mutual funds like Kotak, UTI, and ICICI Prudential to halt new lumpsum investments in their Silver ETFs. Commodity expert Vandana Bharti describes the situation as a 'war between buying between physical silver and digital silver and physical silver is winning anywhere.' The surge is attributed to a massive supply-demand gap, with domestic prices trading at a premium of up to 12% over global rates. This is fueled by festive season demand, shipping delays, and increased industrial use in AI and solar. Vandana Bharti also highlights that the US has proposed designating silver as a 'critical mineral,' further escalating demand. The program also touches upon the broader market outlook, with experts suggesting a focus on consumption, railways, and specialty chemical stocks.
The sudden surge in price has even forced three major fund houses, Kotak Mutual Fund, UTI Mutual Fund, and ICICI Prudential Mutual Fund, to temporarily stop accepting fresh lump sum investments in their silver ETF fund of funds.
At the India Today Conclave Mumbai 2025, experts discussed how AI is changing stock market investing, whether it can replace traditional methods, and what role human judgement will continue to play.
Speaking at the Business Today Most Powerful Women 2024 event, Radhika Gupta, MD and CEO of Edelweiss Mutual Fund, emphasised the need for women to move beyond saving and start investing.
Radhika Gupta, MD & CEO of Edelweiss Mutual Fund, emphasized a disciplined approach to investing amidst record stock market highs.
Upbeat earnings pushed the Nifty across the 19,700 barrier for the first time while the Sensex also closed at a new record high.
MG Motor India plans to offer majority stakes to local partners over the next 2 to 4 years as part of a five-year business roadmap in the country. The company will also set up a new plant in Gujarat to ramp up capacity.
The Reserve Bank of India on Monday announced a Rs 50,000 crore special liquidity facility for mutual fund, days after Franklin Templeton Mutual Fund decided to close six debt schemes.
Franklin Templeton Mutual Fund voluntarily decided to wind up its six debt schemes citing redemption pressure and lack of liquidity in bond markets due to coronavirus pandemic. This is the first instance when a fund house is shutting its schemes because of coronavirus-related situation.