Investments

Notify draft rules making dealer liable for sold vehicle

Advice, Financial, Investments, Mutual Fund, Uncategorized / By /

Have you ever sold a car and signed a blank transfer form — did you know it could stay in your name for months and even end up as a terror tool, just like in the Parliament attack of 2001?
RCs often remain in the seller’s name while vehicles pass through multiple hands. If that car is in an accident, you may still be liable. Worse, it can be misused in crime — even terrorism — while the records still show you as the owner.
Other countries have solved this problem with simple processes. India’s draft rules of 2022 offered a clear solution: dealer authorisation, digital delivery intimation, and deemed ownership during possession. Yet three years later, these reforms remain unnotified.

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When compliance overwhelms, access to advice suffers

Fees, Financial, Investments / By /

The story of a visually impaired masseur exposes how compliance and mis-selling limit access to sound financial advice. SEBI’s accessibility rules, coupled with rising audit costs, add to the heavy burden on solo investment advisers. A review of regulations is needed to balance fiduciary standards with practical, proportionate compliance.

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Increase cap on overseas investments through MFs

Banking, Fees, Investments, Mutual Fund, RIA, Taxes / By /

Ordinary Indians still can’t invest in overseas markets through mutual funds—while the wealthy freely remit crores abroad under LRS.

The irony? Money sent through mutual funds must return to India, while LRS money may not. Diversification shouldn’t be a privilege—it should be accessible to all.

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Remove friction in fee payment for advice

Advice, Banking, Fees, Mutual Fund, RIA / By /

Abhilash dislikes selling mutual fund units monthly to pay his RIA.
MFD commissions are deducted automatically, but RIA fees need direct payment.
He suggests letting funds sell units and pay RIAs directly.
This keeps costs transparent, taxable, and investor-controlled.
Removing such friction can make quality advice widely accessible.

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Steadiness trumps aggression in investing

Investments, Personal Finance, Retirement / By /

📈 Steadiness trumps aggression in investing.

Too often, investors go hunting for the next big winner—like picking Virender Sehwag over Mr. Average. But investing isn’t a sport. You don’t need to be spectacular. You just need to be consistent.

This column argues for choosing steady, reliable returns over flashy, high-risk bets—helping you get close to your goal, consistently.

👉 Worth reading for anyone planning long-term goals like education or retirement.

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Rely on rolling returns, not point to point data

Financial, Investments, Personal Finance, Press / By /

“FD can give better returns over a 10 year period than stock markets”. That was the shocking statement that triggered this article in Business Standard more so because is true 5% of the time (95% of the time stock markets beat fixed deposits over 10 years). Clients often struggle to embrace rolling returns, which offer a clearer picture than misleading point-to-point comparisons. Mark Twain’s words on ‘lies, damned lies, and statistics’ resonate when cherry-picking exceptional periods like the rare 10 year period where FDs beat the stock market—ignoring that 95% of the time, stocks outperform FDs. Investors reading this please remember this when your advisor is asking you to exit a fund which has given good point to point returns but has poor rolling returns compared to its benchmark and peers.

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Sebi´s new product: MF´s efficiency, PMS´ control

Investments, Mutual Fund, Press / By /

The New Product (earlier called New Asset Class) approved by SEBI Board, is excellent for investors comfortable with high risk investments. It will also allow Long short strategies and is designed to wean investors away from unregulated products. Whilst the New Product will do that, the operational ease and tax benefits of the MF structure will most probably also result in the New Product eating into the existing Rs. 2 lakh crore PMS market. If the fund manager is offering a choice to the investor between the two , there is no doubt the investor will choose the New Product.

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Evaluate funds on rolling returns over long term

Investments, Mutual Fund, Personal Finance, Press / By /

Momentum funds have become the flavour of the season with their outsized “extra” returns over the already high returns provided by the market over the last one year. Harsh’s article in the Business Standard highlighting how they are not the absolute certainty they are made out to be. There is a need to take a conscious decision on the tradeoffs involved while evaluating investments in such factor funds.

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.