{"id":14615,"date":"2018-12-24T10:57:28","date_gmt":"2018-12-24T05:27:28","guid":{"rendered":"https:\/\/www.fundsindia.com\/blog\/?p=14615"},"modified":"2019-11-07T15:54:04","modified_gmt":"2019-11-07T10:24:04","slug":"our-top-ten-blogposts-of-2018","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/our-top-ten-blogposts-of-2018\/14615","title":{"rendered":"Our top ten blogposts of 2018"},"content":{"rendered":"

At this time last year, stock markets were on a tear. Everything seemed happy, and the new year seemed to carry that right on. But that euphoria was short-lived as stocks nosedived steadily from there and show no signs of letting up. Don\u2019t let the Nifty and Sensex numbers fool you! Especially if you were a mid-cap investor last year. This year has been a trying time for you! And let\u2019s not start on debt markets and the jolts it received.<\/p>\n

Well, we\u2019re not giving you any lengthy discourse on asset allocation, category allocation, credit risk or anything else. At least, not in so many words. Instead, we\u2019ll let our articles this year do the talking. Over the course of this year, we have repeatedly extolled SIPs<\/a> as many of you began losing faith in the trusted investment method. We\u2019ve tried to assuage your fears about your equity funds<\/a> going back on all the gains they made the year before. We\u2019ve pitched into the fixed deposit versus debt fund battle. All this, and more.<\/p>\n

So here are ten articles we think will address all your concerns and leave you with a hopeful view of 2019.<\/p>\n

Where\u2019s the return?<\/a><\/strong><\/p>\n

Let\u2019s start with the biggest question this year \u2013 \u201cwhy is my equity fund underperforming?\u201d. This article was written halfway through 2018, but the points it makes are still relevant today. 2018 was a completely skewed year in stock returns and that\u2019s reflecting in equity funds. Keep faith, and keep patience, and remember that equity is long-term.<\/p>\n

Active? No, passive! No, active!<\/a><\/strong><\/p>\n

A consequence of equity fund underperformance is that the question of active-versus-passive funds reared its head again. Going by the 1-year returns, the passive champions seem to have the upper hand. But as our analysis points out, actively managed equity funds tend to lag towards the end of a long market rally. This article looks at various aspects of active fund performance, category-wise and where active funds still hold strong. And it shows that SIPs truly are the king.<\/p>\n

Steady wins the race<\/a><\/strong><\/p>\n

While we\u2019re on the subject of SIPs, the equity market slide caused many to pause or stop their SIPs. We think that the SIP is the best route to investment for any investor. We\u2019ve written several articles on SIPs over this year, showing multiple angles of the benefits of this method of investing. Here\u2019s one such example.<\/a> Yes, we know this makes 11 posts. But its for a good cause!<\/p>\n

Amplify the SIP benefit<\/a><\/strong><\/p>\n

If there\u2019s one thing we repeatedly say, it is that you cannot time markets. That highs and lows are known only in hindsight. That SIPs ensure you buy on dips and highs. But you want to get more than just SIPs out of market falls. How? We\u2019ve got an easy method that doesn\u2019t require any number crunching or any knowledge of PE ratios or earnings or anything of the sort. Interested? This article explains it.<\/p>\n

Get assured income<\/a><\/strong><\/p>\n

Caught your eye, didn\u2019t it? No, we don\u2019t mean guaranteed returns. We mean a method by which you can ensure that you\u2019re able to maintain a steady cashflow from your investments in a tax-efficient manner. This is the systematic withdrawal plan. SWPs (from debt funds, usually) are more reliable as a cashflow source than dividends and more tax-efficient than fixed deposits. There\u2019s a second part to this article, if you\u2019re interested.<\/p>\n

The FD-debt fund debate<\/a><\/strong><\/p>\n

Talking of debt funds, the interest rate hikes this year have translated into banks raising their deposit rates. Coupled with seemingly low debt fund returns, many of you demanded answers. Here\u2019s our argument on why debt funds score over FDs and how you should be looking at debt fund returns when comparing them with FD interest rates.<\/p>\n

Pick liquid funds the right way<\/a><\/strong><\/p>\n

Another factor stirring up tensions was rating downgrades. 2018 has been a year for debt fund and interest rate lessons. Several investors were shaken after a liquid fund and other very short-duration debt funds delivered steep losses. So if you want to invest liquid funds<\/a>, we have pointers that can help you make a better and less risky choice.<\/p>\n

Get, set, goal!<\/a><\/strong><\/p>\n

Talking of choosing funds, we always tell you to pick based on your goals. But what is goal-based investing? How do you draw up a goal and work out how to invest? We\u2019ve got an easy guide that can help you get started.<\/p>\n

Bring back the balance<\/a><\/strong><\/p>\n

This isn\u2019t about aggressive hybrid funds. It is about how to bring your asset allocation back in line or rebalancing your portfolio. Surely, you didn\u2019t think we\u2019d forget about asset allocation this year with all the turmoil that went on? Rebalancing aligns your investments with your goals and risk. It also helps you book profits in what went up and invest more in what went down. This article explains the whys and hows of rebalancing.<\/p>\n

Adapting ratings to the new norms<\/a><\/strong><\/p>\n

Last October, SEBI issued rules on what defined each mutual fund<\/a> category, what defined large\/mid\/small cap, and what defined high and low credit risk. These rules, and that fund houses could have only one fund per category, saw a shuffle in fund mandates and portfolios. It also changed the nature of each category in terms of risk and return profile. In response to this and the changing nature of debt and equity markets itself, we tweaked and refined our fund rating methodology. We have explained the changes we made and how we addressed the challenges thrown up by the new definitions.<\/p>\n","protected":false},"excerpt":{"rendered":"

At this time last year, stock markets were on a tear. Everything seemed happy, and the new year seemed to carry that right on. But that euphoria was short-lived as stocks nosedived steadily from there and show no signs of letting up. Don\u2019t let the Nifty and Sensex numbers fool you! Especially if you were […]<\/p>\n","protected":false},"author":18,"featured_media":14619,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[506,509],"tags":[],"yoast_head":"\nOur top ten blogposts of 2018<\/title>\n<meta name=\"description\" content=\"Here are ten articles we think will address all your concerns and leave you with a hopeful view of 2019\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/mf-research\/our-top-ten-blogposts-of-2018\/14615\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our top ten blogposts of 2018\" \/>\n<meta property=\"og:description\" content=\"Here are ten articles we think will address all your concerns and leave you with a hopeful view of 2019\" 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