Business
Women’s Day 2026: How to build right mutual fund portfolio at every life stage
Mutual funds have emerged as one of the most accessible investment tools for women because they offer diversification, professional management, and flexibility through options such as systematic investment plans (SIPs) and lump-sum investments. However, the key to success lies not just in investing, but in building the right portfolio at the right stage of life.
On the occasion of Women’s Day 2026, ETMutualFunds reached out to women financial experts to understand how women investors can build a strong mutual fund portfolio, stay disciplined during volatile markets, and avoid common investment mistakes.
Building right mutual fund portfolio at different life stages
A woman’s financial priorities often evolve with life stages — starting with early career savings, moving to family responsibilities, and eventually focusing on retirement planning. In the early stages of a career, women typically have a longer investment horizon and fewer financial obligations. Then the responsibilities grow in the mid-career stage — such as buying a home, raising children, or planning for education expenses. Closer to retirement, the focus gradually shifts toward preserving capital and generating stable income.
Ennette Fernandes, Fund Manager- Equities, Canara Robeco Asset Management shared with ETMutualFunds that a certain mix of different asset classes may be considered as it helps in maintaining balance between long term investment plans and contingency requirements. However, the investors should assess their risk appetite, investment objective and goal before investing.
Priti Rathi Gupta, Founder of LXME shared with ETMutualFunds that investing is not complex, just apply the simple thumb rule to guide your mutual fund investment which is the equity portion should be 100 – age.
Gupta said that if you are in your 20s or early 30s, time is the greatest asset you possess, so it is wise to invest 70-80% in equities and the remainder in debt. As you grow into your 30s to 40s, more responsibility is added to your plate. So, it is wise to invest 60-70% in equities and 30-40% in debt.Finally, when you reach your 50s or beyond, the priority is to secure the capital. So, it is wise to invest 30-40% in equities and 60-70% in debt and in every decade of your life, it is wise to maintain a liquid fund that will suffice for at least 8 months’ expenses to act as a safety net in the face of adversity. SIPs are your best friends in every decade of your life, as they eliminate the need to time the market, are the most disciplined way to invest, and let the power of compounding work its magic, Gupta said.
Staying disciplined during market volatility
Market volatility is inevitable, but disciplined investing can help investors stay on track with their financial goals. SIPs encourage regular investing regardless of market conditions. By investing a fixed amount at regular intervals, investors benefit from rupee cost averaging — buying more units when prices are low and fewer when prices are high. This helps reduce the impact of short-term market volatility
Gupta said that the best way to tackle the ups and downs of the markets is also the simplest one: don’t stop your SIPs! Market fluctuations, or rather the fall in the markets, are the best times to invest if you’re effectively accumulating more assets at lower prices.
She further said that before you start investing, make sure you set a goal for yourself so that temporary market fluctuations don’t affect your mindset. While it is essential to keep a tab on them, over-tracking your investments is also likely to lead to panic, especially during uncertain times so the key is to be patient and follow the practice of periodic portfolio reviews and rebalancing. If you’re still unsure, just think of the reason why you wanted to start investing in the first place! Lastly, consult a trusted advisor before making any impulsive decisions.
To this, Fernandes said investors usually lose sight of the fact that investing is for the long term during such periods of market volatility. However, staying disciplined is essential during such times.
Planning investments for long-term goals
For many women, financial goals include retirement planning, building a safety net, supporting family needs, and achieving financial independence. Retirement planning is particularly important because women often have longer life expectancies and may take career breaks due to family responsibilities. This makes long-term financial planning even more crucial.
Fernandes said it is imperative that a Systematic Investment Plan (SIP) goal post is established for such long-term goals and followed in a disciplined manner.
Gupta said that the earlier you start investing, the more time the power of compounding has to work its magic, and even small investments today have the potential to accumulate a huge amount for you in the future so invest wisely and diversify your investments to achieve the right mix of safety and growth.
This is where smart investment strategies come into play, helping you achieve your plans despite the erratic nature of the markets, consistency is the key; hence, SIPs should be treated as commitments, and focus should be given to long-term objectives like retirement and financial freedom and with discipline, smart investment strategies, and patience, the power of compounding will multiply your early investments, resulting in safety and growth, Gupta further said.
Common investment mistakes women should avoid
While more women are entering the investment ecosystem, experts say certain common mistakes can hinder long-term wealth creation.
Gupta said that the first challenge is waiting for the ‘right time’ to start investing and delaying the decision, which ultimately reduces the power of compounding. Secondly, many investors have the tendency to either overdiversify or overconcentrate in a single asset, often losing control of their own financial decisions. Third, ignoring insurance, inadequate health and life cover can derail an otherwise solid investment plan.
She further said that fourth, investing without a goal; money without direction tends to get withdrawn at the first sign of trouble. Finally, neglecting periodic portfolio review and rebalancing can quietly increase risk and move your investment away from your desired goals. Staying invested is important, but staying aware is equally critical.
Fernandes said one should avoid focusing only on returns, as that invariably comes at high risk. Balancing risk and return in investing is the key.
One should always consider their risk appetite, investment horizon and goals before making any investment decision.
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
If you have any mutual fund queries, message on ET Mutual Funds on Facebook/Twitter. We will get it answered by our panel of experts. Do share your questions on ETMFqueries@timesinternet.in alongwith your age, risk profile, and twitter handle
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John Lewis to sell via ChatGPT and TikTok as retailer launches AI-powered shopping push
John Lewis is preparing to enter a new era of retail by selling products through artificial intelligence platforms and social media, as the historic department store seeks to attract younger shoppers and modernise its business model.
The retailer has launched a multimillion-pound strategy centred on what it calls “AI-powered shopping”, enabling its products to appear in recommendations generated by chatbots such as ChatGPT and Google Gemini. The move forms part of a wider digital expansion designed to place the brand directly within the new tools consumers increasingly use to search for products and inspiration.
Alongside the push into AI platforms, the chain will also begin trialling sales through TikTok Shop, the fast-growing social commerce marketplace embedded within the TikTok app. Executives hope the initiative will help broaden the appeal of the 162-year-old retailer beyond its traditional customer base.
Under the new system, users interacting with AI chatbots will be able to receive recommendations for John Lewis products when searching for items such as clothing, homeware or gifts.
For example, a customer could ask a chatbot to suggest a spring outfit for a party within a certain budget, and the AI could recommend a shirt stocked by John Lewis if it fits the user’s criteria.
Over time, the retailer hopes shoppers will be able to complete purchases directly within the AI interface itself, as developers roll out embedded checkout features across conversational platforms.
The shift reflects growing evidence that artificial intelligence is becoming a starting point for online shopping journeys. Research from KPMG found that 30 per cent of consumers aged between 25 and 34 had already used chatbots to search for deals and product suggestions.
Retail analyst Jonathan De Mello said the development reflects broader changes in consumer behaviour.
“Retailers are embracing AI as a mechanism to reach a consumer that is relatively tech-savvy, especially the younger generation that uses it for almost everything,” he said. “It’s becoming part of how people explore and discover products.”
In parallel with the AI initiative, John Lewis will begin selling selected products through TikTok Shop. Initially, the offering will focus on beauty products and gift items, categories considered well suited to the social media platform’s influencer-driven shopping model.
Since launching in 2021, TikTok Shop has become a major force in UK e-commerce. During last year’s Black Friday event, the platform recorded sales of 27 products every second, demonstrating the speed at which social media retail has evolved.
Other major retailers have already begun experimenting with the format. Marks & Spencer and Sainsbury’s both introduced TikTok Shop sales for selected products last year, signalling growing confidence among established brands in the channel.
To enable its products to appear within AI chatbot recommendations, John Lewis has partnered with the commerce technology company Commercetools.
The platform translates the retailer’s product catalogue into formats compatible with AI search systems, allowing chatbots to recognise John Lewis as a merchant and incorporate its products into recommendations.
This process effectively ensures the retailer’s catalogue can be interpreted correctly by conversational AI tools and surfaced in relevant searches.
Dom McBrien said the strategy is intended to place the retailer directly within the new digital environments where customers are increasingly making purchasing decisions.
“These investments will mean that we are right there when customers are looking for ideas,” he said. “Being able to quickly and easily buy in a few clicks is a gamechanger.”
John Lewis is not alone in exploring AI-driven commerce. Sportswear retailer JD Sports has previously indicated plans to enable customers to make purchases directly through AI apps in the future.
Meanwhile, technology companies are actively building tools to integrate retail within conversational platforms. Earlier this year Google announced partnerships allowing purchases through its Gemini AI platform, while ChatGPT has already trialled instant checkout tools in the United States.
The rapid development of AI shopping tools has prompted discussion among legal experts and regulators about how recommendations, advertising disclosures and consumer protection rules will apply in conversational commerce.
The push into AI and social commerce comes as John Lewis attempts to revitalise its fortunes following several difficult years.
The retailer operates 36 department stores across the UK and first launched its online shop in 2001. Today, online transactions account for around 60 per cent of total sales.
Its parent company, John Lewis Partnership, also owns the supermarket chain Waitrose.
The partnership is currently undergoing a major turnaround led by chairman Jason Tarry, a former Tesco executive who took over leadership in 2024 following the departure of Sharon White.
Tarry has launched a wide-ranging programme aimed at restoring profitability, modernising operations and strengthening the brand’s competitiveness in a rapidly evolving retail landscape.
Later this week the John Lewis Partnership will publish its results for the 2025–26 financial year.
Speculation has been growing that the company may reinstate staff bonuses, which have not been paid since January 2022. At its peak, the annual bonus for employees, known internally as “partners”, reached as high as 15 per cent of salary.
The employee-owned structure means roughly 70,000 staff members share in the company’s profits when bonuses are declared.
Although the group is expected to miss its £200 million profit target, analysts believe management may still consider restoring the payment in order to boost morale following years of restructuring, store closures and cost-cutting.
For a brand synonymous with traditional British retail values, the shift toward AI-powered commerce represents a significant strategic pivot.
Executives believe that embedding the company within AI platforms and social commerce environments will ensure John Lewis remains visible as consumer habits evolve.
As conversational AI becomes a new gateway to online shopping, the retailer hopes its early investment will ensure it remains relevant in the next generation of digital retail.
Business
Iran: The Straw That Potentially Breaks The Camel’s Back
Bret Jensen has over 13 years as a market analyst, helping investors find big winners in the biotech sector. Bret specializes in high beta sectors with potentially large investor returns.Bret leads the investing group The Biotech Forum, in which he and his team offer a model portfolio with their favorite 12-20 high upside biotech stocks, live chat to discuss trade ideas, and weekly research and option trades. The group also provides market commentary and a portfolio update every weekend. Learn More.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
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Why Did the US Allow India to Continue Importing Russian Oil?
The US granted India a 30-day waiver to purchase Russian oil amidst restrictions from the Strait of Hormuz. This temporary measure aims to support India’s energy needs during ongoing geopolitical tensions. However, the long-term implications for global oil markets and regional stability remain uncertain, as key maritime routes face continued disruptions.
The United States offered India a pass on Russian oil amidst the ongoing conflict in Ukraine, primarily to maintain strategic and regional stability. India, heavily dependent on imported energy, faced significant challenges in reducing its reliance on Russian supplies, which offered favorable pricing and reliable delivery. By providing diplomatic flexibility, the US aimed to ensure that India does not escalate tensions or retaliate against Western sanctions, thereby keeping the Indo-US relationship strong and cooperative.
Additionally, India’s geopolitical importance in the Indo-Pacific region prompted the US to adopt a pragmatic approach. Washington recognizes India as a crucial partner in balancing China’s rise and enhancing regional security. Granting India leeway on Russian oil helps to foster stronger bilateral ties and promotes shared interests without alienating New Delhi during a sensitive period.
Ultimately, the US’s leniency reflects a complex balancing act. While aiming to sanction Russia effectively, Washington understands the need to maintain key alliances in Asia. By allowing India to continue oil imports from Russia, the US hopes to strengthen diplomatic cooperation while managing broader geopolitical concerns and ensuring regional stability.
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