Sangeeta
28 posts by Sangeeta on the WealthTicker blog. Every figure in them comes from the same AMFI, AMC and exchange data the rest of this site shows, dated where it is stated. None of it is investment advice.
How to build an all-weather portfolio from scratch
02 Oct 2026
Equity, debt and gold rarely fall together. Nine years of Indian data on Nifty 50, gold and debt funds, and how to build a portfolio that survives any year.
Investing StrategyGold & SilverDebt & Hybrid Funds
Debt fund returns, overnight to gilt: October 2026
02 Oct 2026
Over the year to 1 October 2026, ultra-short funds returned a median 6.53%; gilt funds 2.45% and long-term funds 1.26%. Fourteen debt categories compared.
Debt & Hybrid FundsFund Returns
Fractional real estate: pros, cons and regulatory risks
02 Oct 2026
Fractional platforms sell slices of office buildings from ₹10 lakh. What SEBI's SM REIT rules changed, what you really own, and the risks to check.
Investing StrategyPersonal Finance
Gift tax in India: when money from family is taxable
02 Oct 2026
Gifts from relatives are tax-free in any amount; from others, over ₹50,000 a year, all of it is taxed. Who counts as a relative, and the clubbing trap.
TaxPersonal Finance
SCSS vs mutual funds for retirement income
02 Oct 2026
SCSS pays a fixed 8.2% every quarter; debt and arbitrage funds returned 6.5–7.4% a year with less tax friction. How a retiree can use both for cash flow.
RetirementDebt & Hybrid Funds
Sectoral and thematic funds: reward, risk or marketing?
02 Oct 2026
Over three years to October 2026, sector fund returns ran from −4.4% to 36% a year. Pharma funds led at a 20.8% median; technology trailed at 4.9%.
Investing StrategyFund ReturnsSectors
Balanced advantage funds in 2026's falling market
01 Oct 2026
The Nifty 50 fell 13.4% from 31 December 2025 to 30 September 2026. The median balanced advantage fund lost 1.7%, and its worst dip was 8.7%.
Debt & Hybrid FundsFund ReturnsEquity fund exit loads: what 569 schemes charge
01 Oct 2026
Of 521 non-ELSS equity funds with a Scheme Summary Document, 484 charge an exit load. 82% of those charge 1%, and 39% keep it for a full year.
Costs & FeesGilt funds returned 3% in a year, half what liquid did
01 Oct 2026
The median gilt fund returned 3.02% in the year to 30 September 2026, against 6.46% for liquid funds. The spread between gilt funds was over 7 points.
Debt & Hybrid FundsFund Returns
Large-cap funds vs the Nifty 50: 22 of 27 won over 5 years
01 Oct 2026
Over the five years to 30 September 2026, 22 of 27 large-cap funds (Direct, Growth) beat an estimated Nifty 50 total return of 6.49% a year. By how much.
Fund Returns
Nifty 50 P/E at 19.2: where it stands against history
01 Oct 2026
The Nifty 50's P/E closed at 19.19 on 1 October 2026, lower than on all but four days since NSE changed how it calculates the ratio in 2021. What that means.
Market ValuationsShort duration vs corporate bond funds in 2026
01 Oct 2026
In the year to 30 September 2026, the median short duration fund returned 5.26% and the median corporate bond fund 4.95%, with lower volatility too.
Debt & Hybrid FundsFund Returns
SIF strategies compared: five types, 33 funds
16 Sep 2026
17 SIF brands now run 33 strategies of five types. As the Nifty 50 fell 5.1% in a month, the median equity long-short SIF fell 2.7%; the median hybrid was flat.
Fund IndustryFund Returns
Gold up 9.1%, silver up 14.6% in August 2026
02 Sep 2026
Gold rose 9.1% to ₹1,35,882 per 10 grams in August 2026, its fourth-best month since 2021, and silver 14.6% to ₹2,03,070 per kg. Both faded late.
Gold & Silver
India VIX back near 11: how fast the fear gauge fell
20 Aug 2026
India VIX closed at 11.32 on 19 August 2026, down 59% from 27.89 on 30 March. Only 6.5% of closes since 2014 have been lower. How it got here.
Market ValuationsMarket Recap
Nifty 50 P/E at 20.91 as its P/B sets new lows
06 Aug 2026
The Nifty 50 closed at a P/E of 20.91 on 5 August 2026. Its P/B fell to 2.95 in late July, the lowest since June 2020, as book value outgrew price.
Market Valuations
Nifty IT P/E at 18.7: what changed since March
22 Jul 2026
Nifty IT closed at a P/E of 18.68 on 21 July 2026, down from 21.08 in March, with the price 2% lower and earnings 10% higher. Its low of 16.91 came on 1 July.
Market ValuationsSectors
FII and DII flows in the first half of 2026
08 Jul 2026
FIIs sold a net ₹3,45,744 crore of Indian shares from January to June 2026, 2.8 times the first half of 2025. DIIs bought ₹4,70,137 crore.
FII & DII FlowsGold falls to its lowest since December 2025
29 Jun 2026
Gold closed at ₹1,22,112 per 10 grams on 24 June 2026, its lowest since 10 December 2025 and 22.4% below its January peak. June is down 12.1% so far.
Gold & SilverA SIP started at the January peak, six instalments on
15 Jun 2026
₹10,000 a month in a Nifty 50 index fund from the 2 January 2026 record is down 2.89% after six instalments. The same ₹60,000 as a lump sum is down 10.01%.
Fund Returns