{"id":21156,"date":"2023-03-11T11:05:21","date_gmt":"2023-03-11T05:35:21","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=21156"},"modified":"2023-03-14T14:40:17","modified_gmt":"2023-03-14T09:10:17","slug":"how-to-make-good-returns-during-challenging-times","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-to-make-good-returns-during-challenging-times\/","title":{"rendered":"How to make good returns during challenging times?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e51dcb63f63\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e51dcb63f63\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-to-make-good-returns-during-challenging-times\/#How_to_Earn_Good_Returns\" title=\"How to Earn Good Returns?\">How to Earn Good Returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-to-make-good-returns-during-challenging-times\/#When_should_I_exit_the_market\" title=\"When should I exit the market?\">When should I exit the market?<\/a><\/li><\/ul><\/nav><\/div>\n<p>2022 was a challenging year for investors, the post Covid slump, combined with market instability arising from the Russia-Ukraine war, high inflation amongst others were only a few things that retail investors had to consider.<\/p>\n<p>&nbsp;<\/p>\n<p>While India did perform better than most of it&#8217;s global counterparts, the effect of all these market fluctuations was felt here as well.<\/p>\n<p>&nbsp;<\/p>\n<p>This raises a very important question for all investors, how to make good returns on investment during challenging times like the ones we are experiencing currently.<\/p>\n<p>&nbsp;<\/p>\n<p>Earning returns is the foremost motive of any investment. However, one of the essential skills for investing in the market is to handle volatility and fluctuations smartly and wisely. Whenever the market falls, an investor faces the dilemma of what should be the next strategy. This raises an important question \u2014 How can an investor earn good returns from the market? What is the right time to exit the market? Let\u2019s answer all these questions!<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-22082\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg\" alt=\"\" width=\"600\" height=\"151\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03.jpg 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"How_to_Earn_Good_Returns\"><\/span><strong>How to Earn Good Returns?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Earning good returns is not a difficult task if you invest smartly. Investors are always in search of the best investment plan with high returns. The foremost rule is to invest in assets that provide inflation-beating returns. Otherwise, your portfolio will depreciate even after providing positive returns. Certain investment instruments that provide a return higher than the inflation rate include stocks and mutual funds.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Investments in Stocks<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Equity stocks are among the highest return generating assets. However, they are equally risky as markets tend to be volatile in the short term. Returns shouldn\u2019t be the only factor while investing in shares. Other factors like the company\u2019s prospects, industry, financial standing, and profitability also play an important role.<\/p>\n<p>&nbsp;<\/p>\n<p>You can shortlist the stocks with the highest returns and analyze those based on the above criteria. If you find the stock a good fit for your portfolio, you can go ahead with investing.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Investment in Mutual Funds<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Mutual funds are one of the best investment options with high returns. Moreover, mutual funds are a great diversification tool. Mutual funds pool money from the investors and invest it in a certain specified class of assets based on the theme of mutual funds. You can find several high return mutual funds in India.<\/p>\n<p>&nbsp;<\/p>\n<p>Investment in mutual funds can be made in the following ways:<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Lumpsum Investment:<\/strong> You can invest a lumpsum amount to park your excess funds. This is the strategy adopted by the investors when the market has hit rock bottom or when the financial year is nearing its end and investors want to gain tax benefits.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>SIP Investment:<\/strong> An SIP is a Systematic Investment Plan. In this investment method, an investor invests a specified amount each month in the mutual fund. This teaches investing discipline and prompts investors to prioritise investing over spending.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Rupee Cost Averaging<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>To earn good returns on investment, it is important for an investor to time the market before investing. If you invest when the market skyrockets and stocks or units are overvalued, your portfolio value will drop in the short term.<\/p>\n<p>&nbsp;<\/p>\n<p>SIP provides a peculiar benefit of rupee cost averaging. When the markets are low, the prices of all mutual fund units fall. Therefore, you can purchase more units for the same monthly investment. When the markets are high, even though the number of units is less, however, the value of each unit increases. This averages out the cost of investment. This is known as rupee cost averaging.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"When_should_I_exit_the_market\"><\/span><strong>When should I exit the market?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Whenever the market falls, investors tend to panic and sell their holdings. However, they should remember that good returns are made by investing in challenging times. You can buy the best stocks at low prices whenever the market takes a dip. You might even find some stocks at dirt-cheap prices that are trading at their 52-week lows. If you find the stock fundamentally strong and trading at such low prices, it&#8217;s time to get hold of that stock and include it in your portfolio.<\/p>\n<p>&nbsp;<\/p>\n<p>Historically, markets have consistently risen after a fall, whether it\u2019s the 2008 financial crisis or the COVID-19 pandemic. Panicking and selling your holdings at cheap prices will only realize your notional losses. Unless you sell, you are not at a loss. Whatever you see is the notional loss and not the actual loss. It becomes an actual loss only after you sell. If you have patience during tough times, the market will reward you with good returns on investment after it bounces back.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/\">Kuvera<\/a> can help you find the stocks with the highest returns and the best high return mutual funds for your portfolio. You can also find short-term investment plans with high returns. With all the financial information available on a single platform, you can analyse and invest any time anywhere<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Interested in how we think about the markets?<\/em><\/p>\n<p><strong>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\">Zen And The Art Of Investing<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Watch here:<\/strong> Learn all about the latest Union budget 2023?<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/kRg4aMrSlIQ\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today. #MutualFundSahiHai #KuveraSabseSahiHai<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2022 was a challenging year for investors, the post Covid slump, combined with market instability arising from the Russia-Ukraine war, high inflation amongst others were only a few things that retail investors had to consider. &nbsp; While India did perform better than most of it&#8217;s global counterparts, the effect of all these market fluctuations was [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-to-make-good-returns-during-challenging-times\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":21158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99],"tags":[2142,2135,2141,2140,1333],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to make good returns during challenging times?<\/title>\n<meta name=\"description\" content=\"Understand all about investing efficiently during difficult times with high inflation to earn good returns.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/how-to-make-good-returns-during-challenging-times\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to make good 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