Investing

 REITs and InvITs Are Finding a Place in Mutual Funds apart from stocks, bonds and commodities like gold and silver. MFs invest in publicly listed REITs and InvITs allowing them to have considerable liquidity. Reflecting the growing acceptance of these instruments, as of Dec 2025, HDFC Balanced Advantage Fund has a notable exposure to REITs and InvITs amounting to INR 1644.5 crores in market value accounting for 1.52% of the portfolio. ▪️Real Estate Investment Trusts (REITs) are investment vehicles that own and operate commercial properties like office buildings and malls, allowing you to earn rental income without owning the property. These are listed on stock exchanges, and not only provide significantly higher liquidity compared to direct real estate ownership but also lower the minimum investment required to gain exposure to real estate.  Regulation: Not less than 90% of the net distributable cash flows of the REIT shall be distributed to the unit holders. ▪️Infrastructure...

 A Multi-Asset Omni Fund of Funds (FoF) is an open-ended mutual fund scheme that invests in a diversified portfolio of other mutual fund units, including equity-oriented, debt-oriented, gold ETFs, and silver ETFs. These funds are designed for long-term capital growth, with a typical investment horizon of 5-8 years, and are particularly suitable for investors seeking a "one-stop solution" for automatic asset allocation and rebalancing without needing to manage multiple investments themselves.  Key Characteristics and Features: Asset Diversification: They invest across at least three asset classes (usually equity, debt, and commodities like gold/silver) to reduce risk, as these asset classes often move in different directions. Dynamic Asset Allocation: Fund managers actively manage the allocation between these asset classes based on market conditions and valuation, often utilizing in-house models. Automatic Rebalancing: These funds rebalance the portfolio, typically monthly, to...