Friday, October 30, 2020

A reader is confused between a recurring deposit and a debt fund. Here are some guidelines.

Disappointed with his earnings from debt funds, a reader poses a query.

Here are some thoughts to ponder upon.

The value of that amount today will not be the same in the future.

It is empowering to be in this position, but also a big decision.

The problem is the stock overlap which defeats the purpose of diversification.

The financial-services industry spends a lot of time discussing financial products, but this is just a small part of the picture for investors. We want to look beyond the markets and focus on the tremendous potential for people to become investors and for current investors to meet and exceed their goals.

Morningstar has always served as an independent voice for investors and the individual investor has always been our true north.

The team at Morningstar will now endeavor to answer queries ONLY related to mutual funds and portfolio planning from our readers.

As Steve Wendel, Morningstar’s head of behavioural science, says, “Morningstar is a champion of investors”.

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