According to a report released by the trading platform Grow, the number of women in mutual funds has increased rapidly, of which Tier-3 and Tier-4 have increased the most in the cities. Women under the age of 30 are leading SIP growth. According to a SBI report, 1 of every 4 investors are female investors. In such a situation, things related to this World Women’s Day investment must be done. That is why Goodreturns had an exclusive conversation with Fund Manager Trupti Aggarwal of Whiteoak Capital AMC …

Question 1: What to do amidst the current decline in the stock market?
Answer-1: Everyone suffers from the decline in the market. But when you have made a market entry, it matters more. For example, if I started investing just after Kovid 4 years ago, then you must have seen a good time. At the same time, if there had been an entry in last September, then there would have been more damage. But there is only the nature of equities. In such a situation, remember one thing nothing goes in one direction. In this context, it has to be understood that this decline is not always going to remain.

Question 2: Women invest in expensive gold or turn to Gold ETF?
Answer 2: We should pay attention to the fact that investment is not to be kept in the same asset class. We have many investment options, including equity, fixed income, and gold. In such a situation, investors should invest diversified instead of investing in one one. Due to this, the effect of better or bad performance of one will not be much.

Question 3: What should be taken care of before starting investment?
Answer-3: The biggest mistake is a delay in starting investment. Most people are lazy in starting it. Then they make a mistake about market timing, in which people wait for cheap investment. These mistakes should be avoided and investment should be started systematically. Take care that the investment is not together, not together. Also, investing by looking at the previous returns is a big mistake. One should avoid putting money in the same asset class.

Question-4: What are the risks for first-time women investors?
Answer-4: The biggest risk is the under continence. Because most women understand that investment is not understanding and its responsibility is entrusted to the man. There is also laziness. Especially those who are not from the field of accounting or finance have a lot of opportunities to learn online. It will look a little difficult but there is very good content on social media. Through this, your knowledge should be increased. It will take time but then it will start to understand. Also, the returns in Excel have to learn the basic formula and weed average returns. Then you can start investment as a test with a small amount. And then when you understand, investment can be started.

Question-5: How to prepare a fund of Rs 1 crore for a 30-year-old female retirement?
Answer-5: If a 30-year-old woman has to prepare a corpus of Rs 1 crore for retirement, then it is a period of 25-30 years for it. In such a situation, investment has to be diverted, which should be divided into multi-asset allocations. Investors should also include equity, fixed income, and gold in these asset classes. During this time, if there is no understanding of the market, then start investing through experts. This will require a good financial advisor.

Question-6: Which fund or theme would you like to recommend on Women’s Day?
Answer-6: When people say that it will not work, then I believe that India is a fast-growing economy, in which there are immense growth possibilities in all sectors. In such a situation, I think consumption can perform well as a theme. Women will also be sure that the products that were used 2 earlier are now using 5 products. Banking and financial themes look great in my top pick. Their valuations are also attractive. Apart from this, the third take theme and the fourth theme is healthcare. If you do not have the matrices, you can start investing in flexi-cap funds.