Market experts suggest continuing or increasing SIPs during market volatility. Stagger lump-sum investments via STPs. SIPs offer market exposure without timing worries. Dips are advantageous for rupee cost averaging. Portfolio allocation should align with risk appetite and financial goals. Consider large-cap, flexi-cap, and hybrid funds. Banking and financial service funds are attractive. Exercise caution with sectoral, mid, and small-cap funds.

Radhika Gupta, CEO of Edelweiss MF, highlighted a shift in investor risk appetite, noting that large-caps are now seen as debt-like and private markets as equity. She emphasized the growing relevance of smart passive strategies in the Nifty500 space, particularly the Multicap Momentum Quality 50 index for balanced, diversified exposure.

Deepak Shenoy of Capitalmind Mutual Fund advocates SIPs over education loans, emphasizing debt-free wealth building for children’s education. He warns against assuming foreign education ensures overseas jobs, citing high loan burdens and India’s lack of personal bankruptcy laws. Parents should avoid saddling children with long-term debt for uncertain returns.

JioBlackRock Mutual Fund introduces five new index funds in India. These passive funds include options like Nifty Midcap 150 and Nifty 50. Subscriptions are now open, closing on August 12. Experts advise caution for new investors. They suggest monitoring expense ratios and tracking errors. Large-cap index funds are recommended for safer investments.

HDFC Flexi Cap Fund shows impressive growth. A monthly SIP of Rs 10,000 since 1995 grew to Rs 21.50 crore. The fund outperformed its benchmark in multiple time frames. Experts suggest flexi cap funds are strategic in volatile markets. SIPs are recommended for long-term investors. The fund is overweight on banks and automobile sectors.

Several long-running mutual funds have delivered exceptional returns on consistent SIPs of Rs 10,000. Leading performers include Franklin India Mid Cap Fund, which grew to Rs 23.17 crore, and HDFC ELSS Tax Saver at Rs 21.68 crore, showcasing XIRRs between 17%–20% since their respective inceptions in the 1990s.

Multi-asset allocation funds have outperformed other hybrid funds in the last one and three years, driven by a combination of asset classes like gold, silver, equity, and debt. Experts believe these funds offer a balanced approach, managing risk and capitalizing on opportunities across asset classes, making them a stable investment option during economic uncertainty.