Beyond SIPs

For many years, Indian investors have been using Systematic Investment Plans (SIPs) by default. However, Gen Z's more discerning tools and well-defined objectives are changing the mutual fund environment. They do more than just invest; they also match portfolios to lifestyle goals, tech trends, and individual values.

Thematic funds are becoming more popular, particularly those with an emphasis on ESG, AI, and climate technology. For managing volatility, flexi-cap funds provide a dynamic allocation across market caps. In order to lower cost ratios, Gen Z take help of advisors to build up there future profits.

Generic wealth accumulation is being replaced by goal-based investing. Gen Z is linking mutual fund strategies to life events, such as financing an early retirement, a master's degree, or taking a vacation. Their proactive approach involves monitoring fund performance on a quarterly basis and modifying allocations in response to market changes.

Gen Z is combining SIPs with digital tools for better control, theme diversification, and lump-sum investments during falls, even if SIPs are still a good starting point.

SOURCE: INDIATODAY

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