Truth Check: Did Your BAF Increase Equity When Markets Fell?

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Did Your “Balanced” Fund Really Buy Low?

Series: #PFTidbits by Kannan M. – 4

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When markets crash, every BAF claims it grabs more equities “cheap” for your benefit. But do the numbers tell the same story?

🔍 Market Checkpoints — Actual Equity Allocations:

Period	HDFC	ICICI	SBI	UTI	Tata
Apr 2020 (Crash)	81%	67%	N/A	N/A	74%
Apr 2025 (Peak)	67%	45%	39%	68%	68%
Mid-2023 (Normal)	67%	66%	44%	65%	69%

💡 Insight:
HDFC and Tata ramped up equity at the market’s bottom—delivering on the “buy when cheap” promise. ICICI played it safer, while other schemes adjusted more cautiously.

Flip Side:
Some funds made only modest moves, hinting they might be following marketing claims, not real dynamic rebalancing.

🎯 Takeaway:
Don’t go by slogans! Ask your advisor:

• Did my BAF increase equity when the market truly tanked?

• How flexible is my fund’s engine room—really?

Read our complete fund-by-fund stories, model comparisons, and rare data insights in the full analysis on Perplexity page

🔗 Balanced Advantage Funds: Risk Reality Check

Knowledge grows not in headlines, but in hard numbers.

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Tidbits Series

1. Small Caps: Funded vs. Fumbled

2. NFOs & Comet AI OS: Two Birds, One Stone

3. The Truth Behind “Zero-Cost EMI”

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• கலப்பின ஃபண்டுகள் - Hybrid Funds — அடிப்படை விளக்கம்

• பங்கு, கடன், தங்கம்: ஒரே கூடையில்! — மல்டி அசெட் ஃபண்ட் வழிகாட்டி

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Connect with Kannan M

LinkedIn, Twitter, Instagram, and Facebook for more insights on AI, business, and the fascinating intersection of technology and human wisdom. Follow my blog for regular updates on practical AI applications and the occasional three-legged rabbit story.

For "Unbiased Quality Advice" | Message me via blog

▶️ YouTube: Subscribe to our channel 

Blog - https://radhaconsultancy.blogspot.com/

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#InvestorEdge #SmartChoices

The Hidden Price of Easy EMIs: What Buyers Miss at Checkout

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💳 The Truth Behind “Zero-Cost EMI”

Series: #PFTidbits by Kannan M. – 3

You see it everywhere:
“₹0 Down. 0% EMI. Instant Approval.”
Sounds perfect, right?

Here’s what many don’t see:

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🧾 It’s Not Really Free.

A ₹25,000 phone on a 12-month EMI plan often ends up costing ₹27,500—or more.

Why?

• Processing fee quietly added at checkout
  
  

• Higher EMI-only pricing (vs. direct-buy discounts)
  
  

• Bundled insurances or GST-on-interest clauses
  
  

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🎯 Same Brand, Two Prices.

Retailers often list two options:

• Model A – ₹25,000 (for one-time payment only)
  
  

• Model B – ₹26,500–₹28,000 (EMI available)
  
  

Specs may look “slightly” different, but the price bump is real—and deliberate.
You walk away thinking you got a better model, but what you really bought was convenience at a premium.

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💬 A Real Story

My domestic helper wanted a ₹7,000 phone.
When he asked for EMI, the shopkeeper said:

“EMI only if you take the ₹14,000 model.”
Same brand, slightly higher end, but double the price.
He nearly agreed—because paying ₹7,000 outright would mean giving up his entire salary.

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❓ Is EMI Really “Zero-Cost”?

Think twice before signing the EMI slip.
You’re not being defrauded—but you are being nudged into spending more under the illusion of affordability.

📌 Smart buyers ask:
“What’s the total cost—not just the monthly bite?”

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🧠 This is just one slice of a much deeper story. Explore the full analysis in our feature on India’s Household Debt Surge—a 30-year lens on how EMIs, savings erosion, and behavioral shifts are reshaping middle-class finance. 🔗 See the full breakdown on Perplexity Pages

With new tools in hand, we’re not just scratching the surface—we’re drilling deep. The numbers speak louder when stitched with context.

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Tidbits Series

1. Small Caps: Funded vs. Fumbled

2. NFOs & Comet AI OS: Two Birds, One Stone

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✨ Download this article as a PDF — perfect for offline reading or sharing with friends on social media!

---

Connect with Kannan M

LinkedIn, Twitter, Instagram, and Facebook for more insights on AI, business, and the fascinating intersection of technology and human wisdom. Follow my blog for regular updates on practical AI applications and the occasional three-legged rabbit story.

For "Unbiased Quality Advice" call 📞 Message me via blog

▶️ YouTube: Subscribe to our channel 

Blog - https://radhaconsultancy.blogspot.com/

---

Still Searching the Old Way? Learn AI Tools That Save Hours Daily. Get your AI Book Now. 📕 India: ₹199 → Get EBook here 📦 Request Paper Pack hard copy: DM or fill this form  #  Others: Search in your local amazon marketplace B0FB2P7GKV Get it on Google Play books

#CreditLiteracy #HiddenCosts #ZeroCostEMI #KannanMInsights #PFTidbits

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