Multi-asset funds that combine equities, gold and fixed income are designed to smooth portfolio volatility, but their role extends beyond just reducing drawdowns. Over the past 16 years, actively managed multi-asset portfolios have outperformed domestic equities, delivering an annualised return of 11.4% compared with 10.7% for the BSE Sensex TRI, or Total Returns Index, according to a study by WhiteOak Capital.

The strategy has, however, lagged higher-returning asset classes such as gold and global equities, with 14.7% and 18.6% annualised returns, respectively, over the same period. “How gold, equity or debt behaves in isolation is very different from how a well-constructedcombination performs,” said Aashish Sommaiyaa, ED & CEO, WhiteOak Capital Mutual Fund.

The study analysed a model portfolio allocating 25% to the BSE Sensex TRI, 45% to the CRISIL Short Term Bond Index, 25% to gold (MCX) and 5% to the S&P 500 TRI, with annual rebalancing. The key trade-off is consistency. The multi-asset portfolio did not post a loss in any calendar year, compared with domestic equities, international equities and gold, which recorded losses in four, one and two years, respectively.

In a multi-asset portfolio, gold helped offset equity weakness through FY25 and into FY26. While equities underperformed after September 2024, with the Sensex TRI gaining 6.4% in FY25 and shedding 6% in FY26, gold’s run-up of 32% and 65% in these two financial years on safe-haven demand provided a counterbalance, driving overall portfolio returns.

This has boosted the popularity of multi-asset allocation funds, which have garnered ₹65,210 crore, or 62% of net inflows in the hybrid category, in 2025–26. Though allocations to various assets vary depending on the fund houses, investors are taking comfort in their stable returns compared to the wild swings in equities.
“Many investors get scared of equity, especially when drawdowns like March happen, and they lose two years of returns in a short time frame,” said Vineet Nanda, founder, SIFT Capital. “In such times, people holding pure equity funds tend to lose patience and opt for multi-asset products.”“A big advantage is the scheme rebalances assets at regular intervals with no tax implication for the investor,” said Juzer Gabajiwala, director, Ventura Securities.

India’s market regulator Wednesday permitted companies to increase or decrease the fresh issue size of the initial public offerings (IPO) by up to 50% without filing a fresh draft offer document, two people familiar with the development told ET. The regulatory latitude seeks to support capital raising in a volatile market.

At present, the Securities and Exchange Board of India (Sebi) rules require companies to refile their draft prospectus if the issue size changes by more than 20% from the original estimate.

“Sebi has received representation from the industry on difficulties faced by the issuers in mobilising resources and accessing the capital market in the backdrop of ongoing geopolitical tensions in West Asia,” the regulator said in a letter to the Association of Investment Bankers of India (AIBI).

An email query sent to Sebi remained unanswered.

The relaxation will be available for IPOs opening before September 30, 2026.Any company looking to revise its issue size by up to 50% must submit a request to the regulator, explaining the reasons for the change, the regulator said in a letter to AIBI.

“By allowing increased flexibility in changing the IPO size, the regulator has provided much-needed relief to the issuers who were genuinely ready to access the markets but were waiting for geopolitical concerns to subside, without the burden of filing fresh DRHPs,” said Abhinav Kumar, partner — Capital Markets, TT&A.
Last week, Sebi gave one-time relaxation to IPO-bound companies by giving more time to launch their IPOs where deadlines were set to expire between April 1 and September 30. These companies can now launch the IPO until September 30.“It’s a timely and proactive move by Sebi, especially in the context of heightened global volatility,” said Dharmesh Mehta, MD and CEO of DAM Capital Advisors Ltd. “In such an environment a pragmatic and responsive regulatory approach is essential which facilitates capital raising activity while maintaining strong standards of governance,” he said.

As of April 2, Sebi has given consent to 143 companies to launch their IPOs, they could collectively raise ₹1.75 lakh crore, according to Prime Database.According to a securities lawyer, Sebi is allowing greater flexibility in deal sizes amid volatile conditions, particularly for issues delayed during the Iran war period, while maintaining disclosure standards and investor protection.

NEW YORK — Anthropic’s popular AI assistant Claude faced fresh disruptions Wednesday as users worldwide reported elevated errors across claude.ai, the API and Claude Code, prompting frantic searches for alternatives and highlighting the growing pains of rapid AI adoption.

At midday on April 15, 2026, thousands turned to outage trackers and social media after experiencing login failures, chat interruptions, usage limit glitches and partial service degradation. The issues emerged in the early afternoon UTC, with Anthropic’s official status page confirming it was investigating increased errors on its core platforms.

Claude.ai, the web interface where millions interact daily with models like Claude Opus 4.6 and Sonnet, showed the most visible impact. Some users reported being unable to log in, while others encountered incomplete responses, stream timeouts or sudden messages claiming they had hit usage limits despite recent inactivity. Claude Code, the coding-focused tool, remained partially accessible for already-logged-in users but blocked new sessions. The API recovered fully by early evening PT according to updates, though consumer-facing services lagged behind.

Anthropic’s status.claude.com page detailed the timeline. At 14:55 UTC the company posted it was “Investigating” elevated errors. By 15:03 UTC it confirmed ongoing work. At 15:20 UTC it marked the issue as “Identified” with a fix in progress. Later updates noted the API had fully recovered as of 8:01 PT / 16:01 UTC, while mitigation continued for Claude.ai and login paths. Claude Code users who stayed logged in could continue working, but new logins remained broken.

The disruption arrived amid a pattern of intermittent outages that have plagued Claude since early 2026. Similar elevated-error incidents hit in March and early April, often tied to surging demand following major model releases. On April 13 users complained of login loops and instant usage-limit bugs. Earlier episodes in March involved 500 internal server errors and authentication failures that left developers scrambling.

Downdetector and similar sites recorded spikes in reports throughout the day, with complaints centered on chat access, the desktop app and voice mode. Social media buzzed with frustration. Users posted screenshots of error messages and joked about having to “use their brain to code” again. One thread asked what people do when Claude goes down, while another quipped the AI had gone on strike.

For many professionals the outage stung. Developers rely on Claude Code for real-time assistance with complex projects. Writers and analysts use the chatbot for drafting, research and data interpretation. Enterprises integrating Claude via API faced workflow interruptions. The timing amplified annoyance — mid-week when productivity demands peak.

Anthropic has not issued a detailed public statement beyond status updates. The company typically attributes such incidents to “unprecedented demand” after popular releases, as seen in prior resolutions where it thanked users for patience while scaling infrastructure. Claude’s rapid rise in popularity, especially after the February 2026 launch of Claude Opus 4.6 positioned as a leader in coding and agentic tasks, has strained systems despite heavy investment in compute.

The outage underscores broader challenges facing frontier AI companies. As models grow more capable, user bases explode, testing backend resilience. Competitors like OpenAI’s ChatGPT and Google’s Gemini have faced their own downtime episodes, but Claude’s issues often draw extra attention because of its strong reputation among developers and power users who prize its thoughtful, less-censored responses.

Wall Street and tech observers watch these events closely. Anthropic, valued at tens of billions after major funding rounds from Amazon and Google, must prove it can match demand without frequent hiccups. Reliability has become a key differentiator as businesses shift mission-critical tasks to AI assistants. Repeated outages risk eroding trust, especially for paid Pro and Team subscribers who expect consistent access.

For individual users the disruption served as a reminder of single-point dependency. Many switched to alternatives like Grok, ChatGPT or open-source models during the wait. Some reported success with cached conversations or offline tools, while others simply took a break. Reddit’s r/ClaudeAI subreddit lit up with performance megathreads and workaround discussions.

Anthropic’s transparency via the status page earned some goodwill, but critics noted occasional lags between real-world reports and official acknowledgments. Third-party monitors like IsDown.app and DownDetector often surface problems faster than the company’s dashboard in the initial minutes.

Looking ahead, the incident may accelerate Anthropic’s infrastructure expansion. The company has poured resources into data centers and partnerships to support growing usage. Future reliability could hinge on better load balancing, redundant systems and proactive capacity planning ahead of major model drops.

For now, most affected users saw partial or full recovery by late afternoon or evening on April 15. The API returned to normal operations first, allowing developer tools and integrated applications to resume. Consumer web and app access followed more gradually as fixes rolled out.

The event highlights AI’s double-edged nature in 2026. Tools like Claude deliver extraordinary productivity gains when available, yet downtime can halt workflows across industries. As adoption deepens — from solo creators to Fortune 500 teams — service stability becomes as crucial as model intelligence.

Investors and analysts will likely view this as a routine scaling bump rather than a red flag, given the company’s strong fundamentals and backing. Still, frequent incidents could invite comparisons to early ChatGPT growing pains and fuel calls for greater redundancy.

Users checking status.claude.com or Downdetector received the clearest picture. Those still facing issues were advised to clear caches, try different browsers or devices, or wait for the next update. Anthropic typically resolves such matters within hours once identified.

As evening approached on the U.S. East Coast, reports of successful logins increased, suggesting the fix was taking hold. The company continued monitoring post-resolution, a standard practice to catch any rebound effects.

Claude’s appeal lies in its balance of capability and safety focus, setting it apart in a crowded field. Outages test user loyalty but also demonstrate demand. When the service runs smoothly, many consider it indispensable for deep reasoning tasks that other models handle less gracefully.

For Anthropic the priority remains clear: restore service quickly and communicate transparently while investing to prevent recurrence. Wednesday’s disruption, though inconvenient, fits a familiar pattern in the fast-evolving AI sector where success itself creates technical hurdles.

As the dust settles, affected users will resume their sessions, perhaps with renewed appreciation for uptime. The episode serves as another data point in the ongoing story of AI infrastructure meeting explosive real-world usage. Whether Claude emerges stronger or faces renewed scrutiny depends on how swiftly and cleanly Anthropic closes this latest chapter.

In the meantime, the internet did what it does best — turned frustration into memes and shared workarounds. For many the brief outage became a quirky reminder that even the smartest AI still runs on very human-engineered systems prone to occasional hiccups. The golden rule in 2026: always have a backup chatbot ready when your favorite one blinks out.