Gold exchange-traded funds (ETFs) returns are fading. Silver ETFs are performing better. Investors are now confused about choosing between gold and silver. Some fund houses offer combined gold and silver funds. Experts suggest separate funds for active management. Combined funds suit hands-off investors. Diversifying into both metals balances the portfolio. Consider market volatility and geopolitical tensions.

Mutual funds reduced their overall cash holdings by Rs 13,000 crore in June to Rs 2.04 lakh crore, lowering cash-to-AUM ratio to 5.08%. Major fund houses like PPFAS and Quant trimmed allocations. SBI MF held the highest cash. Some smaller funds maintained higher cash ratios due to limited AUM.

India's IT sector faces a significant downturn in 2025, with the Nifty IT index plummeting due to slowing growth and AI disruption. Institutional investors are abandoning large-cap IT stocks like TCS and Infosys, prompting a shift from buy-and-hold strategies to active management. Experts suggest focusing on mid-cap IT companies for potential growth amidst the sector's challenges and technical breakdowns.

Amid rising outflows from liquid and overnight funds, experts recommend ultra-short-term funds for up to 6 months and arbitrage funds for longer horizons due to better return potential and tax efficiency. While concerns about returns persist due to rate cuts, liquidity remains strong. Investors are advised to choose based on their goals, horizon, and risk appetite.

The highest first-half inflows on record, according to a Geojit Insights report.

In 2025, around 112 lakh SIPs closed, sparking concerns about a negative trend. Market volatility, influenced by events like tariff changes, led to cautious investor sentiment and SIP liquidations. Experts advise long-term investors to remain disciplined, viewing market fluctuations as temporary and maintaining consistent SIP contributions for wealth creation.

Midcap and smallcap mutual funds attract significant investor interest. These funds received Rs 47,000 crore in the first half of the year. Experts advise caution due to high valuations. They suggest a longer investment horizon. Investors should also prepare for potential volatility. A staggered investment approach is recommended. Focus on long-term asset allocation and risk profile is crucial.