HSBC Mutual Fund CEO Urges Discipline and Diversification Amid Volatility

Kailash Kulkarni says investors should choose funds based on their goals and how long they can invest.

He says large companies can still be an important part of an investment portfolio.

Flexi-cap and multi-cap funds give investors access to different sizes of companies.

A broad-market index fund may be easier for a beginner to understand than picking individual stocks.

He says investors can consider putting 10–15% of their portfolio in other countries.

SIP investors should not panic if returns are weak after only one or two years.

Staying invested for longer may help because investments bought at lower prices can gain value when markets recover.

Multi-asset funds spread money across investments such as shares, fixed income, gold and silver.

Kulkarni says diversification and asset allocation are more important than trying to predict the market.