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How to Pick Mutual Funds That Beat the Market

  Smart Strategies for Investing in Mutual Funds: A Guide to Maximising Your Returns One of the most well-liked investing options for people looking for expert management and diversification without having to choose individual equities is a mutual fund. One of the easiest ways for people to accumulate wealth over time is through mutual fund investments. Mutual funds combine the capital of numerous individuals to invest in a diverse portfolio of stocks, bonds, and other securities, in contrast to direct stock market investing, which necessitates considerable time, study, and risk tolerance. Mutual funds are a well-liked option for both new and experienced investors due to their expert management and diversification. But merely investing in a mutual fund and crossing your fingers seldom yields the best outcomes. A comprehensive approach that matches the appropriate fund selection and management strategies with your financial objectives, risk tolerance, and investment timeline is nece...
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RBI’s 6th Bi-Monthly Monetary Policy - 2019-20




Repo Rate – remains unchanged at 5.15%


Reverse Repo Rate – remains unchanged at 4.90%


Bank Rate & Marginal Standing Facility (MSF) Rate – remains unchanged at 5.4%


Cash Reserve Ratio – The CRR of scheduled banks remains unchanged at 4.0% of their Net Demand and Time Liabilities (NDTL)



The Monetary Policy Committee voted unanimously to keep the policy rate unchanged. It also decided to continue with the accommodative stance as long as it is necessary to revive growth while ensuring that inflation remains within the target. It was enumerated that policy space exists for future action and the same may be addressed through opportune instruments gauging the growth-inflation dynamics. The GDP growth is projected at 6.0% for FY21 in the range of 5.5-6.0% in H1 and 6.2% in Q3. The CPI estimates were revised upwards to 6.5% for Q4:2019, 5.4 5.0% for H1 FY21 and 3.2% for Q3 FY21 with risks broadly balanced. Crude prices are likely to remain volatile due to unabating geopolitical tensions in the Middle East and the uncertain global economic outlook. The Core-CPI is likely to reflect cost-push pressures on account of higher telecom charges, drugs & pharmaceuticals, rising input costs for services, etc. Financial markets may continue to be influenced by domestic and global dynamics imparting the domestic inflation outlook.


In the post-policy press conference, the Governor gave an explicit hint of further easing. However, we continue to believe that we are near the end of the rate easing cycle unless global growth falters due to coronavirus.

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