u/beanbag7700

Hello everybody,

I have been investing with a moderate risk appetite and my investments have been allocated as per that.

Now after having a look at my current allocations and after taking the risk appetite survey, I am comfortable to take a step forward and going aggressive to maximize returns.

Hence I looking for recommendations in small cap. I am mentally ready for potential drawdowns and high volatility.

I am looking for recommendations from you guys who have good insights about these. Can a Nippon India Small Cap be a good choice looking at its returns for 7 years? and how is Tata Small Cap fund for this, it has generated decent returns, and also has less expense ratio.

I have current allocations of 30 K in HDFC flexi cap and a 10 K in Tata Nifty Capital index fund.

What are your thoughts?

Risk Appetite – Aggressive

Goal – wealth creation

Horizon –10 years

Allocation – 10,000

App Used – groww

Why These Funds – decent AUM size and lower expense ratio compared to peers.

I am in 30% income tax slab, and I don't want my part of Fixed Deposit interest getting eaten away by taxes. I have about 4 L that I need to park for exactly one year for sister's wedding next year.

I did some reading and realized that Arbitrage Fund are a great tax loophole since they are taxed like equity mutual funds while maintaining a relatively low risk profile. Selling it within a year meant that 20% STCG Tax instead of my usual 30% STCG tax slab rate.

I am aware that it is incredibly boring way to make money but that's exactly I want for my short term goal.

I have been looking for options based on their historical returns, AUM size and relatively less expense ratios.

Seem like Tata Arbitrage Fund pops up frequently with good returns and a very less expense ratio.

source- groww

Do let me know from anyone who has invested in Tata Arbitrage Fund, as to how long your redemptions usually take to hit the bank account? Do you have any other suggestions as where should I put money?

Risk Appetite – low

Goal – Accumulating cash for sister's wedding.

Horizon – 12 months

Allocation – 4 L

App Used – Tata Mutual Fund website

Why These Funds – Had good returns historically and less expense ratio.