20k/- month SIP
Age: 20 years
Risk profile: Aggressive
Investment horizon-10 yrs+
How I chose these funds?
Mainly last 3yr and 5yr CAGR and reviews on this subreddit
Is there any thing that I should change?
Should I add large and midcap fund?
Please guide me
Current age:20
Monthly allocation: 20k/- month
Risk appetite: Really high risk (Parents already have around 70L portfolio)
Time period: 5-6 yrs or 10 yrs in case of no urgent need of funds
I have learnt about mutual funds but am still confused about what I should choose based on the market cap (even after reading articles and seeing multiple videos)
I am clear about allocation in equity and debt (90-10)
Based on market cap, I was thinking to allocate it as follows:
8k flexi cap (PPFAS and HDFC to 4k each)
2k Gold mutual fund (SBI most likely)
4k small cap (Invesco/quant/bandhan)
4k mid cap (motilal oswal)
2k index fund (not decided)
Please guide me on the basis of my choice, feel free to criticise and correct me if I am doing something wrong.
Thanks
Waiting for some awesome guidance!
Hello guys
So, these are 2 portfolios of my father and my mother
We have currently around 75 lakhs combined in Mutual funds with an XIRR of around 13.5 and 14.5 respectively.
So, we are looking to sell 8-10 lakhs worth of Mutual funds from this portfolio and start SIP in some flexi cap funds, small cap funds and Gold.
I know that my portfolio is really overlapping and has too many funds so, I want to make it more balanced by defining a specific ratio for each section.
We are a high risk taker and don't need much liquidity for the next 5 yrs minimum.
So, can someone guide me on what I can sell off, what I should buy and the funds I should switch. The plans are currently regular growth as my father used to invest through some agent but from now onwards we will invest through GROWW in direct growth plans.
So, please give me some insights on how I can improve my portfolio and what should be the ideal allocation %age in each type of funds.
Thanks
Waiting for your response
So, my father has been investing in mutual funds for the last 10-15 yrs and has an amount of around 60 lakhs cumulated across these funds
HDFC ELSS Tax Saver Fund
HDFC Large and Mid Cap Fund
HDFC Defence Fund
HDFC Multi Cap Fund
ICICI Prudential Business Cycle Fund
ICICI Prudential Technology Fund
Kotak Bluechip Fund
Kotak Emerging Equity Fund
Motilal Oswal Large and Midcap Fund
Motilal Oswal Multi Cap Fund
Nippon India Tax Saver Fund
Nippon India Multi Asset Fund
Aditya Birla Sun Life Tax Saver Fund
Aditya Birla Sun Life Frontline Equity Fund
Aditya Birla Sun Life Infrastructure Fund
Aditya Birla Sun Life Midcap Fund
Canara Robeco Bluechip Equity Fund
Canara Robeco Multicap Fund
HDFC Manufacturing Fund
ICICI Prudential Business Cycle Fund
Kotak Banking and Financial Services Fund
Kotak Blue Chip Fund
Kotak ELSS Tax Saver Fund
Kotak Healthcare Fund
Kotak Multicap Fund
Quant ELSS Tax Saver Fund
SBI Magnum Midcap Fund
SBI Small Cap Fund
Axis Midcap Fund
So, there are the mutual funds we currently hold for >1 yr and we were looking to sell some of these mutual funds and add some new ones that can provide better results than these. So, I want your guidance on how I can create a more balanced portfolio, what I should sell off and what funds I can add to my portfolio.
I am pretty new to all this and don't have much information
So, can someone also please tell me how to evaluate mutual funds, choose the best ones and create a balanced portfolio?
Thanks
Waiting for some great responses
So, my father has been investing in mutual funds for the last 10-15 yrs and has an amount of around 60 lakhs cumulated across these funds
HDFC ELSS Tax Saver Fund
HDFC Large and Mid Cap Fund
HDFC Defence Fund
HDFC Multi Cap Fund
ICICI Prudential Business Cycle Fund
ICICI Prudential Technology Fund
Kotak Bluechip Fund
Kotak Emerging Equity Fund
Motilal Oswal Large and Midcap Fund
Motilal Oswal Multi Cap Fund
Nippon India Tax Saver Fund
Nippon India Multi Asset Fund
Aditya Birla Sun Life Tax Saver Fund
Aditya Birla Sun Life Frontline Equity Fund
Aditya Birla Sun Life Infrastructure Fund
Aditya Birla Sun Life Midcap Fund
Canara Robeco Bluechip Equity Fund
Canara Robeco Multicap Fund
HDFC Manufacturing Fund
ICICI Prudential Business Cycle Fund
Kotak Banking and Financial Services Fund
Kotak Blue Chip Fund
Kotak ELSS Tax Saver Fund
Kotak Healthcare Fund
Kotak Multicap Fund
Quant ELSS Tax Saver Fund
SBI Magnum Midcap Fund
SBI Small Cap Fund
Axis Midcap Fund
So, there are the mutual funds we currently hold for >1 yr and we were looking to sell some of these mutual funds and add some new ones that can provide better results than these. So, I want your guidance on how I can create a more balanced portfolio, what I should sell off and what funds I can add to my portfolio.
I am pretty new to all this and don't have much information
So, can someone also please tell me how to evaluate mutual funds, choose the best ones and create a balanced portfolio?
Thanks
Waiting for some great responses
I was looking to invest in dhoot transmissions and shiprocket as an HNI investor and as far as I have studied these IPOs look good with a high GMP and bright future.
The thing is I already suffered a loss of 2L+ on Gulf Lloyds ipo and still holding it and SBI funds management also didn't perform well what makes me think again about investing in IPOs.
So, what do you think
Should I bet on Dhoot and Shiprocket?
Guys, there is something I need to tell y'all
So, this story is about the holy night just before IPMAT Indore. It was 4 am in the night and I was really tensed about the exam and had constant fear and anxiety, and this is all where it starts. While my hands were shivering constantly and I was thinking about the exam suddenly I saw Bhavesh bhaiya in front of my eyes, yes I am not even joking, i saw BB right in front of my eyes and I honestly couldn't believe that I saw the goat 🐐 right there. At first I thought that it was my imagination but then I pinched myself and saw that it was BB himself. BB saw my hands shivering and asked me why I was so tensed and why I was unable to sleep and I told BB the whole story about how my entire life depends on this one exam and I can't risk messing up IPMAT Indore. BB listened to this whole story and he calmed me down, slept beside me and sang me lullaby in his calm and soothing voice. So, this whole scene occurred at around 4:30am and I was asleep by 5am. Then after this I started getting dreams about me standing right in front of IIM Indore and taking a selfie, really happy. Then at around 10 am my mom came, woke me up and asked me to get ready as we had to leave by 11 am for the exam. So, after this I rushed to the bathroom, took a bath and got ready and finally went for the exam. But I still couldn't make it and had to settle for a tier 3 college.