At best, you can look to have a limited exposure to credit risk funds as a supplementary position, says Ashutosh Gupta.

There are commonalities that run across different funds of the same AMC. Hence, it is desirable to spread your investments across a few fund houses, suggests Ashutosh Gupta

NPS is a good product and its ultra-low cost is one of its advantages but it comes with certain restrictions, points out Ashutosh Gupta

While fund managers can have a certain portion of their portfolio in cash and equivalents, they generally are wary of taking active cash calls, says Ashutosh Gupta

Ashutosh Gupta discusses the case for liquid funds in the current environment.

Be guided by your personal circumstances more than the basic framework, suggests Ashutosh Gupta

Follow an asset allocation strategy as per your goals and follow periodic rebalancing, irrespective of where the markets are, suggests Dhirendra Kumar

A 70:30 allocation can be suitable even for long-term goals, tells Ashutosh Gupta

Thematic funds are more diversified than particular stocks and hence more suitable for investors looking for investment in a particular theme, suggests Ashutosh Gupta

Ashutosh Gupta explains how the date and cost of acquisition of a segregated portfolio are calculated for tax purpose