7KCR EXPRESS

  A  Disciplined Approach to Mid and Small Cap Investing Older adults are often perceived as financially secure, largely because individuals above the age of 55 cont rol a significant share of household wealth. However, this perception does not refl ect the reality for many who are approaching retirement—or are already retired—with little or no dedicated retir ement savings. For such individuals, Social Security becomes the primary source of income. While it provides essential financial support, even the maximum benefit is generally insufficient to fully meet long-term living expenses. Adding to this concern is the uncertainty surrounding the future funding of the Social Security system. Despite these challenges, financial experts emphasize that it is never too late to take constructive steps toward improving financial stability. Start  with the Right Mindset Financial planners stress that the first and most important step is a shift in mindset. Rather than dwelling on ...

Disciplined Approach to Mid- and Small-Cap Investing Periods of market transition often provide an opportunity for investors to reassess strategies and realign portfolios with long-te rm financ i al objectives. Rather th an reacting to short-term movem ents, this phase encourages a disciplined approach focused on asset allocation, diversification and risk ma nagement. Indian equity markets have shown encouraging resilience over the past year, supported primarily by domestic institutional investors. Despite relatively muted participation from foreign institutional investors, benchmark indices such as the NIFTY and SENSEX have remained stable. This stability reflects the growing maturity of I ndia’s financial markets and the increasing role of domestic capital in sustaining market momentum. From an outlook perspective, several factors appear s upportive for I n dian equities: Valuations across many segments have moderated Corporate earnings remain largely stable and Business fundam...