u/investmoneynova

As per business standard, the month of May witnessed inflows of Rs 5176 crore and as per Economic Times, the month of April  has record Rs 10,147 crore inflows in April

So what is making Flexi Cap fund so much more popular than any other mutual fund category?

One reason can be that the investors are now  relying more on the fund managers to allocate between the market caps and not taking this call themselves..

Another reason might be because one can stay open to opportunities wherever they appear instead of being limited to one segment of the market.

And this is where Multi Cap Fund could fall behind, where at least 75% of their assets are in equity and equity related instruments.. In that as well, allocating at least 25% of its assets to large-cap stocks, 25% to mid-cap stocks and another 25% to small-cap stocks  is essential..As a result, there is very little flexibility for the fund manager to move across funds as when market changes..

On the other hand, flexi cap funds have a complete freedom to invest across all equity stocks.

Another testament to this is the report by AMFI data cited by Franklin Templeton India Mutual Fund, says that flexi cap funds recorded net inflows of ₹95,154 crore over the last 12 months through May 2026,

source- business standard website

source- business standard website

So in spite of knowing that there is  a possibility of a misalignment with the risk profile of certain investors, people are still prioritizing flexibility of funds rather than volitality.

Another reason might be offering a straightforward way to participate in the equity market for new investors. These new investors are willing to navigate market phases without sticking to a single style. 

source - etmoney

source- etmoney

What are your investment insights about flexi cap funds? In which of the AMCs did you invest your into? I do have moderate risk appetite.. Ideally I feel investment horizon should be 7 years, isn’t it? My goal is wealth maximization. I have been using https://www.tatamutualfund.com/mutual-funds/tata-flexi-cap-fund-direct-growth because of its good performance alongside Nifty 500 benchmark.

I saw that these two investments have been doing good consistently..one is Tata Flexi Cap Fund and the other is Bank of India Flexi Cap Fund.

As per business standard, the month of May witnessed inflows of Rs 5176 crore and as per Economic Times, the month of April  has record Rs 10,147 crore inflows in April

So what is making Flexi Cap fund so much more popular than any other mutual fund category?

One reason can be that the investors are now  relying more on the fund managers to allocate between the market caps and not taking this call themselves..

Another reason might be because one can stay open to opportunities wherever they appear instead of being limited to one segment of the market.

And this is where Multi Cap Fund could fall behind, where at least 75% of their assets are in equity and equity related instruments.. In that as well, allocating at least 25% of its assets to large-cap stocks, 25% to mid-cap stocks and another 25% to small-cap stocks  is essential.. As a result, there is very little flexibility for the fund manager to move across funds as when market changes..

On the other hand, flexi cap funds have a complete freedom to invest across all equity stocks.

Another testament to this is the report by AMFI data cited by Franklin Templeton India Mutual Fund, says that flexi cap funds recorded net inflows of ₹95,154 crore over the last 12 months through May 2026.

source-business standard website

So in spite of knowing that there is  a possibility of a misalignment with the risk profile of certain investors, people are still prioritizing flexibility of funds rather than volitality.

Another reason might be offering a straightforward way to participate in the equity market for new investors. These new investors are willing to navigate market phases without sticking to a single style. 

I would really like to know what are your investment insights about flexi cap funds? 

While coming across flexi cap mutual funds, I saw that a balanced advantage fund was being recommended by people for someone having a low to moderate risk appetite..
For a long time, I believed that these two are exactly the same until I read about it on the Internet..

Talking about Flexi cap, these mutual funds allocate 65% of the asset investment in equity and equity related instruments.. while they could offer potential growth returns, there is a high risk and volatility since majority of the stake is in equity.. Looking at its average returns.. the Groww website shows 15.17%

website - groww

On the other hand, a balanced advantage fund invests in a mix of equities and debt and its allocation is adjusted actively between 30-80% equity based on markets. Since it has exposure to debt as well, the overall risk also reduces when compared to flexi cap mutual funds..
But if we look at the returns, the average returns of a balanced advantage fund is comparatively low.

Also another name for a balanced advantage fund is Dynamic Asset Allocation Mutual Funds.
Average returns on Balanced Advantage Funds are 12% as per Groww.

website - groww

so what would be your recommendations regarding choosing between balanced advantage fund and flexi cap fund if these are someone’s allocation details..

Risk appetite- moderate
Investment goal- wealth creation
Investment horizon- 5 years
Allocation details- ₹ 3000 SIP
Which app/ website do you use? Official website of Tata Mutual Fund and Groww
Why this among everything else?- good reputation and good legacy

hii guys..I wanted your insights to understand that if someone is looking to invest ₹ 5000 in gold for portfolio diversification only ..is gold ETF a good option in recent times..

Nowadays physical Gold is being purchased as only part of cultural significance, to gift someone or as for inheritance.. and I see that Gold ETFs are predominantly making up for investment purposes.

Another reason why Gold ETFs might be preferred could be because they don't have a concern about its purity as they are backed by standardized 99.5% pure gold. Convenience also plays a very important role where gold ETFs have complete digital evidence of the purchases.. while sometimes, physical gold could be just kept in lockers and no one would even have any idea about it.

Now, looking at price differences between the two..one would ideally choose a Gold ETF as it comparatively price efficient when compared to physical gold.. Just to give an example of the same here is the NAV movement of Tata Gold Exchange Traded Fund with respect to domestic physical gold prices

source- Tata mutual fund Factsheet

Also, purchasing gold means incurring GST charges as well as making charges, and on the other hand, a Gold ETFs charges a relatively small annual expense ratio for managing the fund. 

as I conclude, i wanted to look at returns which gold ETFs have been generating and these were the results

source- dhan website

while on groww, there was different ranking

source- groww website

I shall come up with few more insights on another aspects as well..

Meanwhile, what are your insights about Gold ETFs? Are you purchasing them or not and if yes what are your top Gold ETFs investments?

Hello friends, saved some money which i got from friends and family on various occasions.. i am thinking about investing in mutual funds, either in flexi cap or multi cap..but i am confused on which one to select..

Since it’s a gift money, i dont mind the risk of the fund.. so should i be opting for flexi cap, so that i maximize the most of the returns while also having a flexible portfolio to adjust market volatility.

Or should I go for a multi cap fund? So that at least, I get good diversification with a pre-defined allocation strategy. 

also, i saw that multi cap had more average returns than that of flexi cap fund..

source-etmoney

source-etmoney

so which one should i choose?

BTW, these are my allocation details..

Risk Appetite- Aggressive Investment Goal – wealth maximization
Investment Horizon – 5 years
Allocation Details –  Rs. 12,000  lumpsum.
Which App/ website Do You Use? – AMC website  https://www.tatamutualfund.com/

Why these fund -good repute among the other AMCs

i am glad on some of my research actually means something to me. tomorrow is the day to catch on these products.

source: google trends

great. let me come back tomorrow to find more insights on these funds.
also, i was want to go for SIP as I am salaried monthly and would like to go slow

nifty capital market index fund - this product has given ~40% return in last one year. but I will do more research as different sites are giving different returns.

tata mutual fund website shows ~41% return in 12 months, while, groww shows 19.4% for the product tata nifty capital index fund.

sources below:

source: tata mutual fund website

source: groww

I also used google trends to check if these insights also matches user sentiments

source: google trends

Also these are my allocation details-

1. Risk Appetite – moderate
2. Investment Goal – long term wealth creation
3. Investment Horizon – 10 years
4. Allocation Details – I feel SIP of 5000 will be a good option for me
5. Which App/ website Do You Use? – https://www.tatamutualfund.com/mutual-funds/tata-nifty-capital-markets-index-fund-direct-growth
6. Why You Selected These Funds & Not Similar Ones From Another AMC – less expense ratio and good fund size as compared to other investments along with good return

lets discuss this post tomorrow. thank you.

while i was checking the list of arbitrage funds in India; the list was quite long. Total of 39 schemes with 7.40% return.

source: groww

the investment should be lumpsum or sip? i feel it should be lumpsum.

is it true that tata arbitrage fund is one of the popular fund to invest in? 

1. Risk Appetite – conservative
2. Investment Goal – short term cash parking
3. Investment Horizon – 2 years
4. Allocation Details –  Rs. 10,000 lumpsum.
5. Which App/ website Do You Use? – https://www.tatamutualfund.com/
6. Why You Selected These Funds & Not Similar Ones From Another AMC –looking at its  past performance

 

i will request: please don't spam. give only informed answers with proven track records. thank you.

while i was checking the list of arbitrage funds in India; the list was quite long. Total of 39 schemes with 7.40% return.

source: groww

the investment should be lumpsum or sip. i feel it should be lumpsum.

currently, i don't want to define my risk appetite, goal, horizon as i am doing my research and looking for relevant answers.

is it true that tata arbitrage fund is one of the popular fund to invest in?

i will request: please don't spam. give only informed answers with proven track records. thank you.