r/IndianMutualFunds

Hey guys, so, I am looking to start SIPs of around 20-21k per month

Risk appetite- Agressive

Goal - Financial independence

Age: 20 years

App used: Groww

Investment horizon- 7-8 years

My funds selection:-

ICICI Pru Flexi cap-5k

Nippon asset multi allocation fund-3k to 4k

Edelweiss mid cap- 5k

Invesco/Quant Small Cap- 4k

Index fund (not decided)- 2k-3k

How I selected these funds:

Mainly based on past performance and I didn't choose hdfc/PPFAS flexi cap bcz of the AUM size and someone told me that they are only for someone with 10+ years horizon. Don't know how true this is

I chose multi asset even after a flexi cap bcz it gives me some downside protection and multi asset funds have performed really well in the past. (Guide me if I am wrong)

So, can someone please guide me if my allocation is right or is there some need to change something in this portfolio. I have watched many mutual funds videos but still tend to get confused about allocation across different market caps and fund types

I am looking to start these SIPs asap so, looking for some good reviews of my allocations.

Thanks

Hello i want to start with 5k SIP for long term

So needs advices

1. Your own MF and etf suggestion

2. Which app is best for investing

3. Channels or blogs which helps to deep dive into sip and how to research on my own to choose mfs

Like tools sites etc

Fir now i have a 3 month backup saving which im slowly making it to 6 month

5k is a start amount which ill increase gradually

Im 28 right now

No emi

No loan

Hi everyone,

I’m completely new to mutual fund investing and would love some recommendations to help build my portfolio.

Instead of picking random funds, I want to divide my investments across three specific goals:

1. Safe & Steady (2–3 Funds)

Goal: Maximum capital safety. I'm okay with lower returns as long as the risk of loss is minimal and returns are consistent.

Horizon: 5 years

2. Medium-Term Growth (2–3 Funds)

Horizon: 3 to 5 years.

Goal: Moderate risk with good, balanced growth over this time frame.

3. Long-Term Compounders (2 Funds)

Horizon: 10+ years.

Goal: Safe, reliable long-term investments that I can hold and continue investing in for the next decade.

Which specific funds would you recommend for each of these buckets? And why?

Multi-asset funds spread money across equity, debt, gold, silver, etc. — each asset class gets at least 10%. Idea is smoother returns across cycles. Reality: huge spread in performance.

3-year SIP returns (only 4 broke 15%):

• Quant — 18.51%
• Nippon India — 17.64%
• WhiteOak Capital — 16.35%
• Aditya Birla SL — 16.00%

Then a big drop-off: Axis (13.73%), SBI (13.72%), Baroda BNP Paribas (12.83%), ICICI Pru (11.77%), Tata (11.68%), UTI (11.40%), HDFC (9.90%), and Edelweiss dead last at 7.52%.

That's an 11-point gap between best and worst. Over years of SIPs, that compounds into a very different outcome.

https://preview.redd.it/ba46orseg4kh1.png?width=770&format=png&auto=webp&s=add7fe5237f56df89f5fdd4278d53b362e1cbbb4

5-year returns tell a different story

Quant still leads (20.67%), Nippon still second (18.42%). But ICICI Pru, SBI, and UTI — all sub-15% over 3 years — cross 15% over 5 years:

• ICICI Pru: 11.77% (3yr) → 15.49% (5yr)
• SBI: 13.72% → 15.35%
• UTI: 11.40% → 15.16%

Tata, Axis, and HDFC stayed in the 12-14% range over 5 years too.

https://preview.redd.it/2rf1jy7jg4kh1.png?width=741&format=png&auto=webp&s=4d3b8d8943d2b2461086362c91c87a0add9973ee

Size ≠ performance

ICICI Pru Multi Asset is the category's biggest fund (₹86,785 cr AUM) but underperforms the leaders. Quant has just ₹6,356 cr AUM and tops the charts. SBI (₹20,240 cr) and Nippon (₹16,926 cr) also show no clean size-to-return relationship.

Takeaway: "multi-asset" isn't a return guarantee. Allocation strategy and horizon matter way more than AUM or the label itself.

Im struggling to shortlist between these 4 funds. their performance is very very similar.

Bandhan multi asset

dsp multi asset

invesco multi asset

nippon multi asset

has anyone come across these? which ones to choose and which to drop. Please share your methodology to choose max 2 from these 4.

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.

Could you please help me decide where to park my money for my house construction, which I plan to start within the next 12–18 months? My target is to build a corpus of ₹20–30 lakh.
Would an FD be suitable for building this corpus, or should I consider any good mutual fund options? I also want to optimise my taxes, as I currently fall under the 30% tax slab

Hello ,

Need advice/ suggestions on portfolio.

I have an SIP of 21000 per month.

Goal: Wealth creation

Rish appetite: Aggressive

Duration: 15-18 years

Doing lumpsum on dips.

App- Angel Broking

Old Bridge Flexicap fund-4500

Edelweiss Midcap-4000

Edelweiss Small cap-3000

Nippon India multi asset-2000

Mahindra manulife Aggressive hybrid -1500

Nippon Nifty 500 Momentum 50 index -3000

Axis Nifty 500 value 50 index-2000

Grow Gold FOF-1000

Let me know your opinions

Started investing just last month and want to make sure I’m not overcomplicating things already 😅

I’m 24, have a student loan running but no major family responsibilities. My goal is wealth creation over the next 5–10 years.

Currently investing ₹50K/month:

• Bandhan Small Cap — ₹10K
• HDFC Defence Fund — ₹5K
• HDFC Flexi Cap — ₹5K
• HSBC Midcap — ₹5K
• Invesco Mid Cap — ₹5K
• Kotak Nifty Next 50 — ₹5K
• Nippon India Large Cap — ₹5K
• Gold ETF — ₹5K
• Silver ETF — ₹5K

I have an additional ₹10K/month that I want to start investing as well.

Would love a proper portfolio review — any major overlap, unnecessary diversification, or excessive risk?

And most importantly, where should I put the additional ₹10K? Increase an existing fund or add something new?

Open to criticism — would rather fix the allocation now than realise 5 years later that I’ve built a mess. 😅

Hello guys,

Age: 25Y, stable monthly income, already have built an emergency fund, and health insurance.

Risk Appetite : Moderate (Nippon Survey)
Goal: Real Estate corpus building
Time Horizon: 10-15 years
Current SIP - 34k/month
Currently accommodated - Rs 3L (has been a year of SIP)

Current Allocation with 10% annual step-up
PPFAS - 15k/month
Navi Nifty 50 - 8k/month
Bandhan Small Cap - 5k/month
ICICI Pru Gold ETF FoF - 4k/month
ICICI Pru Silver ETF FoF - 2k/month

Want to increase this to around 50k/month, need recommendations for aggressive returns

I recently bought some mutualfunds as sip in upstox and its been a month, last day was the day for the next installment but I didn't had enough money in my accnt for auto debit so today I got money and done one time investment in the same sips ,but I couldn't do on an mutual fund which its minimum sip amount was 100 and minimum one time investment amount was 1000 so I don't know what to do..??