You can invest in equity, debt, or even gold funds separately or you can combine these assets through hybrid funds with pre-determined asset allocation. While the latter sounds like an easier choice, keep in mind some basic factors before you invest.

Overseas investments can help you diversify risk which you won’t be able to do in any other form.

Whether the thematic fund delivers return or not depends on the theme itself and on the timing too.

The question is whether dividend payout is enough of a reason to pick a particular investment option? Not really.

If you have already accumulated a lot of jewelry as a cushion for uncertain times, then you need to assess the resale value of this jewelry and then add gold investment if you need to. Don’t assume the value to be what you paid to buy it.

If you had invested in a top notch fund based on such rating methodology, can you expect it to perform poorly in the future?

Post Budget 2020, dividends are now taxable when you receive them. For those in the highest tax bracket, this means you will have to pay tax of anywhere between 35% to 42% on the dividend income you receive from mutual fund schemes.

It is often done by investors to mitigate the risk to capital especially while investing in equities. The most common way to do STP is by doing transfers from a debt fund to an equity fund.