CalPERS sees success in active management and ESG integration

𝗘𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗱: 𝗠𝘂𝘁𝘂𝗮𝗹 𝗙𝘂𝗻𝗱 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 – 𝟭𝟬 𝗞𝗲𝘆 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗖𝗵𝗲𝗰𝗸. Mutual funds offer professional management, diversification, and flexibility, but picking the right scheme requires more than chasing past returns. Here are 10 key factors to consider before investing: 1️⃣ Define Financial Goals – Align fund choice with objectives like wealth creation, retirement, or child’s education. 2️⃣ Assess Risk & Time Horizon – Match your risk appetite and investment horizon with equity, debt, or hybrid funds. 3️⃣ Know Fund Types – Equity, debt, hybrid, ELSS, sectoral, active vs passive – each serves a specific purpose. 4️⃣ Review Past Performance – Look at consistency over 3–7 years and benchmark comparisons. 5️⃣ Check Fund Portfolio – Understand sector, market-cap exposure, and risk profile. 6️⃣ Fund Manager Track Record – Experience and long-term performance matter. 7️⃣ Expense Ratio – Lower costs help maximize returns, especially for passive funds. 8️⃣ Exit Load & Lock-In – Know redemption fees and restrictions, e.g., ELSS 3-year lock-in. 9️⃣ Tax Implications – Equity and debt funds have different capital gains and dividend taxation. 🔟 AMC Consistency – Reputation and consistent management track record are crucial. A well-chosen mutual fund, aligned with your goals and risk profile, can be a powerful wealth creation tool. Take time to evaluate, compare, and seek advice if needed. #MutualFunds #WealthCreation #InvestingTips #FinancialPlanning #EquityFunds #DebtFunds #HybridFunds #TaxPlanning #ExpenseRatio #InvestmentStrategy #newsletter #CADeepikaBansal #Financenews #Financialliteracy #knowledge

Alternative investments are outperforming in today's high-rate environment. Our H2 2025 outlook reveals where institutional money is moving—private equity, private credit, and infrastructure are seeing major deal flow recovery. Key insights: > 48% increase in buyout deal value year-over-year. > $1T in private credit dry powder. >Infrastructure fundraising already exceeds 2024 totals. Read the full analysis ➡️ https://lnkd.in/djTWTiBj #AlternativeInvestments #PrivateEquity #PrivateCredit #InvestmentStrategy

Index tracking funds experienced their first outflows since October 2023 in August, driven by £1.1bn of net outflows from fixed income trackers, according to the The Investment Association (IA). Learn more: https://lnkd.in/e_yuQjaP Author: Adam Lewis #PortfolioAdviser #Investors #FixedIncome #Funds

Stephen Snowden, Head of Fixed Income at Artemis Investment Management, explores why corporate bonds could offer more income, stronger long-term returns, and a healthier alternative for clients’ portfolios. #FundManagers #Clients https://lnkd.in/e_dYV5_4

💡 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗮𝘁𝗶𝗼𝗻 𝗙𝘂𝗻𝗱𝘀 — 𝗧𝗵𝗲 𝗧𝗵𝗶𝗿𝗱 𝗥𝗼𝘂𝘁𝗲 𝘁𝗼 𝗘𝘅𝗶𝘁 𝘋𝘰𝘸𝘯𝘭𝘰𝘢𝘥 𝘍𝘳𝘦𝘦 𝘔𝘦𝘳𝘨𝘦𝘳 𝘔𝘰𝘥𝘦𝘭 👉 https://lnkd.in/gkF_FK3k 𝘚𝘵𝘶𝘤𝘬 𝘣𝘦𝘵𝘸𝘦𝘦𝘯 𝘢 𝘴𝘭𝘰𝘸 𝘔&A 𝘮𝘢𝘳𝘬𝘦𝘵 𝘢𝘯𝘥 𝘤𝘰𝘰𝘭 𝘐𝘗𝘖 𝘸𝘪𝘯𝘥𝘰𝘸, 𝘱𝘳𝘪𝘷𝘢𝘵𝘦 𝘦𝘲𝘶𝘪𝘵𝘺 𝘴𝘱𝘰𝘯𝘴𝘰𝘳𝘴 𝘩𝘢𝘷𝘦 𝘵𝘶𝘳𝘯𝘦𝘥 𝘵𝘰 𝘢 𝘵𝘩𝘪𝘳𝘥 𝘱𝘢𝘵𝘩: 𝘤𝘰𝘯𝘵𝘪𝘯𝘶𝘢𝘵𝘪𝘰𝘯 𝘧𝘶𝘯𝘥𝘴. These GP-led vehicles extend ownership of assets beyond the typical 3–5 year horizon, giving sponsors time to capture future value while offering investors different options: cash out, roll over, or come in fresh through the new fund. 🔍 𝗪𝗵𝘆 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗮𝘁𝗶𝗼𝗻 𝗙𝘂𝗻𝗱𝘀 𝗠𝗮𝘁𝘁𝗲𝗿 • M&A and IPO exits remain subdued by interest rates, inflation, and valuation gaps. • Investors expect liquidity, and sponsors need solutions to keep fundraising momentum. • Continuation funds deliver liquidity to exiting LPs while keeping upside on the table for rolling and new investors. 📊 𝗡𝘂𝗺𝗯𝗲𝗿𝘀 𝗮𝗻𝗱 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 • Average holding periods are now stretching 7+ years. Continuation funds reset the clock. • LPs face choices: exit and realise gains, or roll their position to avoid losing exposure. • Secondary investors dominate these deals, negotiating terms to manage pricing and conflict risk. ⚖️ 𝗧𝗮𝘅 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 • Exiting LPs and rolling LPs may face different tax treatments, and structuring is key to avoiding “dry” tax charges. • Fund managers often crystallise carry, with reinvestment obligations ensuring alignment — though tax liabilities still arise. • At the asset level, existing debt, group losses, and investor mix can significantly impact tax outcomes. 📈 𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗔𝗵𝗲𝗮𝗱 Continuation funds are not replacing traditional exits, but they are now firmly on the menu of options. With proposed UK tax reforms on carried interest (IBCI rules) and ongoing consultation, the tax landscape could shift. Sponsors and investors should stay alert as these vehicles become more common. Continuation funds highlight how exit strategies are adapting — balancing investor liquidity, asset potential, and tax complexity. Credit: Freshfields Bruckhaus Deringer LLP #PrivateEquity #VentureCapital #Finance #Investment #FinancialServices — 💰 𝗠&𝗔 𝗥𝗲𝘀𝗼𝘂𝗿𝗰𝗲𝘀 - https://lnkd.in/gsvG2eDh 📊 𝗜𝗕 𝗗𝗲𝗰𝗸𝘀 𝗗𝗮𝘁𝗮𝗯𝗮𝘀𝗲 - https://lnkd.in/gJEGnBC7 📚 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗘𝗾𝘂𝗶𝘁𝘆 𝗖𝗼𝘂𝗿𝘀𝗲 - https://lnkd.in/gNNZBude —

Regardless of global economic conditions, interest rate or inflation levels or changing tax rates, Your Annual Fee Structure is The Constant Companion in Your Wealth Plan. In today's dynamic and innovative wealth services marketplace, maintaining a legacy fee structure in your current wealth plan can be a costly oversight that revisits year after year. To that end, let's examine 3 Legacy Wall Street Fiduciary Fee Fails That Can Double the Cost of Your Wealth Services 1.) Legacy Advisors claiming a fiduciary status that puts client interest first that only covers investment recommendations and product selection but stops at Fee Structure and Fee Level. Legacy Wall Street will claim to be a fiduciary at any price with a percentage on asset fee they decide to charge, so long as they don't charge a commission. This can result in OverPaying by tens of thousands of dollars a year in excessive fees that can devour over a third of your after tax investment income in retirement each year. 2.)Legacy Advisors claiming fiduciary status but failing to mention or compare other readily available alternative fiduciary qualifying fee structures like fixed dollar fees and hourly fees that do not fluctuate or rise with your account value each year. In many cases affluent and HNW families can capture transformational recurrent annual savings with a fixed dollar fee arrangement vs legacy percentage on asset fees. Fixed Fees offer greater control over the costs of ongoing wealth management services since they are not market driven and any fee raise must be approved by clients. 3) Legacy Advisors that bundle traditional stand alone fixed fee for services like financial and tax planning and one time hourly estate planning fees under a RECURRENT annual percentage on asset fee along with investment management. This transfers lower fixed dollar fees into higher recurrent asset based fees that may result in those services priced 3X their stand alone costs. Today, thanks to 4 decades of advancing Fintech, we are in a new era of efficient wealth management where the falling operational and administration costs of delivering robust wealth services solutions has ushered in low fixed fee alternatives to the 35 year old percentage on asset fees structure. Now experienced full service fixed fee fidiciary advisors are returning transformational savings back to clients by updating their current wealth plan with today's low fixed fee alternative. Visit RescueYourReturns.com to unlock your potential to save tens of thousands of dollars and enjoy higher net income and higher net returns year after year.

In the following analysis, Jo Rands, Portfolio Manager at ClearBridge Investments, shares her thinking with us on what’s driving UK share prices, the sectors offering the most potential, and whether a turning point for domestic investment is on the horizon. #UKEquities #Opportunities https://lnkd.in/ekyn_kxD

Infrastructure continues to cement itself as one of the most durable growth areas in investment banking. J.P. Morgan just promoted Francisco Abularach and Michael Johnson to global co-heads of its infrastructure investment banking division, reinforcing the firm’s strategic bet on the sector. Why it matters: • Infrastructure has become a cornerstone for long-duration capital deployment, attracting sovereign wealth, pensions, and infrastructure-focused private equity funds. • Banks are expanding senior coverage to compete for mandates in energy transition, digital infrastructure, and transport/logistics. • The sector’s growth trajectory reflects both public spending commitments and private capital appetite for inflation-hedged, cash-yielding assets. For bankers and allocators, this move signals that the infrastructure pipeline is expected to expand further, both in size and strategic importance. Do you see infrastructure continuing to outpace other verticals in capital markets activity, or will cyclicals reassert themselves as rates shift? #Infrastructure #CapitalMarkets #InvestmentBanking #EnergyTransition #PrivateMarkets

#AlternativeInvestments are becoming a key component of a #BalancedPortfolio. With more categories offering improved liquidity, lower investment minimums, and simpler tax reporting, they are increasingly being utilized for diversification by a wider range of investors. https://lnkd.in/dKug9N_2

💡 Long-Short SIFs — The Next-Gen Investment Avenue Specialised Investment Funds (SIFs) are opening new doors for investors by allowing both long and short positions, unlike traditional mutual funds. Here’s the quick gist: ✅ Minimum investment: ₹10 lakh ✅ Up to 25% of portfolio can be in short positions ✅ Redemptions: Daily (equity), weekly (debt), or twice a week (hybrid) ✅ Expense ratio capped at 2.25% Why consider them? They offer flexibility and tactical opportunities in volatile or range-bound markets. Skilled fund managers can use derivatives smartly to enhance returns. But remember: They may lag in strong bull markets and require expert management to control risk. Taxation: Depends on equity exposure — 📊 65%+ equity: 12.5% LTCG | 20% STCG 📊 35–65% equity: Tax at investor’s slab 📊 Debt 65%+: Tax at slab rate In short — great for savvy investors looking to add strategic depth to their portfolios. #Investing #SIF #WealthManagement #MutualFunds #LongShortFunds #FinanceInsights #PortfolioStrategy