Smart Investing by PGIM India Mutual Fund

Post-COVID, the Indian investment landscape has seen a structural shift—with a sharp rise in retail participation through mutual funds and direct investing platforms. This has led to an important evolution: More investors are now making independent, DIY investment decisions.  However, in a market environment characterized by heigh volatility, DIY investing brings both opportunity and risk. In this...

If you’ve checked your portfolio recently, chances are it hasn’t been a comfortable experience. Since the start of 2026, equity markets were down over 13-15% and now they are recovering. The Nifty 50, which represents India’s largest companies, had corrected sharply and mid‑ and small‑cap stocks had fallen even more. So naturally, questions are coming up. What is happening in the markets? This epi...

Inflation impacts every single one of us. You’ve probably heard the term often, especially when the government releases monthly CPI data and markets react instantly. But what does inflation really mean for your investments?  Why do rising prices influence capital markets, and more importantly, how can you protect and grow your wealth in an inflationary world? In this episode, Ravi Samalad and Lisa...

Retirement planning is a delicate balancing act between longevity and mongevity. One is the act of living longer for which one needs to focus on health for a long period starting at a young age. The other is when your money outlives you and for this too one needs to start planning at a young age. Ravi Samalad and Lisa Pallavi Barbora discuss how one should approach retirement planning and the dos...

Many investors miss noticing  the difference between investment returns and investor returns. Sounds the same, right? Well, not really. The number you see on a mutual fund’s factsheet and the return you actually experience in your portfolio can be very different. Why does that happen? Is it the market? Is it timing? Or… is it us? Lisa Pallavi Barbora and Ravi Samalad help us understand why our ret...

Most of us have heard of large-cap, mid-cap, or small-cap funds, right?  But did you know how a fund manager picks stocks – their style – can also impact your returns?  Yup, there’s a bit of an art to it! In this episode, Lisa Pallavi Barbora and Ravi Samalad explore the different investing styles, what they mean, and why diversifying across them might just make you a smarter investor.       Liste...

Equity markets have been volatile in the recent past. Sharp corrections are a good opportunity for investors to invest lumpsum or top up their existing investments. On the other hand, SIPs are useful in a volatile market as they help you get more units when markets fall.  Lumpsum investing is another option for investors but it can be a bit risky if markets were to fall immediately after investing...

The Indian household debt has been increasing over the past three years, shown an RBI report. It increased to 41% of GDP in FY24 from 37.9% in FY23 and is estimated to have reached 43.5% in the first half of FY25. The report identified three primary purposes for household borrowing. The first is consumption, which includes personal loans, credit card debt, loans for consumer durables and other per...

Remember March 2020 when the stock market experienced one of the fastest crashes in history due to the COVID-19 pandemic? The Indian market saw drawdown of 38%. It was a stark reminder of how unpredictable markets can be. The 2008 financial crisis was another classic example. In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss what causes volatility and how investors can mitigate it. Lo...

A lot of the mistakes often investors make stem from a lack of awareness and myths that people believe to be true about mutual funds. In this episode, Ravi Samalad and Lisa Pallavi Barbora discuss and debunk the biggest myths associated with mutual funds.  Log on to https://moneyandme.pgimindiamf.com/   to get curated content on personal finance that is in sync with your life stage. All Mutual Fun...

“The first rule of an investment is don't lose money. And the second rule is don't forget the first rule.”   - Warren Buffett.  This quote reminds us that losing less is equally important.  Let us understand this with a simple example. If your 100 rupee becomes 50 you will have to earn a return of 100% to reach 100 again.   There is so much focus on how to invest right, we often forget to talk abo...

Goal based investing concept is easier to understand but very few investors follow a methodological and bucketed way of managing their finances. In this podcast, Lisa Pallavi Barbora and Ravi Samalad analyse the pros and cons of this approach, which kind of investors it is ideal for, how to go about identifying your goals and use the right asset classes to plan for your short, medium and long term...

Analyzing and interpreting fund returns can be a challenge, especially for novice investors. In this episode, Lisa Pallavi Barbora and Ravi Samalad help you understand what compound annual growth rate (CAGR), extended internal rate of return (XIRR), rolling returns and absolute return mean and how to interpret them when looking at your fund’s return. Log on to https://moneyandme.pgimindiamf.com/ t...

If you have been observing the market, PSUs shares have been in the limelight in the last one year. As investors, one may be tempted to invest in PSU stocks. This is where sector funds come into play. They invest in one particular sector or theme such as PSUs, technology, pharma and so on, which helps you take a dedicated exposure to one sector or theme. Lately, many fund houses are launching them...

When one sets out to invest in mutual funds they are not thinking active or passive, rather they just want to invest in something that fits in their risk profile, goal, or time horizon.  Over the last few years, we have seen a plethora of fund launches in the passive space. Passive Funds provide you market exposure at a low cost. In this podcast, Lisa Pallavi Barbora and Ravi Samalad discuss about...

In life we are inundated with choices – whether it’s the choice of clothes, the colour and brand of cars, perfumes, the list can go on. Clearly, there’s a wide variety of options available today in every sphere of life which can be sometimes overwhelming.  Similarly, we have a wide variety of investment options within the mutual fund industry. In this episode, Personal Finance Expert Lisa Pallavi...

Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP) are tools offered by mutual funds that provide great convenience and flexibility to cater to investor’s different financial goals. In this podcast, personal finance expert Lisa Pallavi Barbora and Ravi Samalad talk about how these facilities work and how investors take make efficient use of them.   Log on to https://moneyandme.pgi...

Hybrid Funds are gaining traction and that is evident by the steady growth in assets in this category. The AUM of hybrid funds category has doubled from Rs 3.10 lakh crore in Nov 2020 to reach Rs 6.30 lakh crore as of November 2023, shows AMFI data.  Similarly, the number of folios in this category have grown from 94 lakhs to 1.26 crore during the same period. So what’s the reason behind this asto...

A 1986 study titled Determinants of Portfolio Performance by Brinson, Hood and Beebower showed that asset allocation explained 93.6% of the variation in a portfolio’s return. This clearly shows the importance of following an asset allocation approach to investing rather than chasing return or flavour of the season. In this episode, Personal Finance Expert Lisa Pallavi Barbora and Ravi Samalad from...

An Emergency Fund helps you tap into your savings when you have to incur an unplanned expense or take care of your non-negotiable monthly expenses during a temporary loss of income. In this maiden episode of Smart Investing series, Lisa Pallavi Barbora, a Financial Coach and Personal Finance Expert, discusses the importance of creating an emergency fund, where to invest and shares five simple step...