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<p dir="ltr"><span id="docs-internal-guid-34734a04-7fff-4d74-a0f8-7faa203168fc">It is the season of festive sales, and the prospect of clinching a value deal makes us look for the discounts available during the sale season. But whether you buy a product on MRP or discount, you are going to get the same product with the same features. As such, the value of the product rendered to you remains the same. This forms the core of&nbsp;</span>what value investing,&nbsp;which is to look for bargain deals.

<p dir="ltr">A prudent financial plan is not the one that depends upon a concentrated portfolio to generate returns over the long term. Instead, one must have a diversified portfolio across asset classes and stay on course for long term wealth creation. It is noticed that no single asset class remains a winner always, and different asset classes may be outperforming in different years. This is because different asset classes may react to similar macroeconomic changes in different ways.

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Financial advisors will generally advise you, “do not keep all your eggs in one basket.” Such an investment action is denoted as diversification in the parlance of personal finance. Diversification refers to making an investment portfolio across different investment segments and asset classes to reduce the overall investment risk. 

<p dir="ltr"><span id="docs-internal-guid-b6e09162-7fff-ef0b-c85b-6312bccaaf67">It is natural for new mutual fund investors to panic when the market movement turns highly volatile. The panic often results in inappropriate actions, such mistakes are easily avoidable. Check out five mistakes every mutual fund investor should avoid in a volatile market.</span></p>

Systematic Investment Plan (SIP) has clearly emerged as preferred investment route for investing in mutual funds especially for investing in equity-oriented funds. This trend is visible from the relatively stable monthly SIP inflows. As per AMFI (Association of Mutual Funds in India) data, monthly SIP flows have continued to stay above Rs. 8,000 crores for the last 11 months and the SIP inflows during November 2019 were Rs. 8,273 crore.

Mutual funds have been instrumental in channelising the household savings into financial markets, as the investors need not have expert knowledge about the financial markets to invest in mutual funds. Investors may rely upon professional fund management for their investments in mutual funds. Further, with the availability of a wide range of mutual fund schemes, investments in mutual fund schemes can be made as per personal risk appetite and financial goals.