r/mutualfunds

I know I know... 1 year is too short to judge anything let alone long term investment such as MF.

But here my argument is Last 1 year been nightmare for fund manager's in india. Shouldn't we evaluate the performance of fund's in this tough phase rather than gunho phase happened in indian market like 2023-2024?

Another area of concern is PPFCF aum reaching mammoth size compared to Quant, which is under 7k crore. That is more manageable and easy to work with.

Ignore my investment amount since i was testing out.

For new SIPer, which one will be your choice based on above arguments only? So one can start SIP on that

Thanks

Horizon : 15 years
Risk : Moderate

Risk appetite: Moderate

Goal: Wealth creation

Horizon: 10-12

App used: Groww

Allocation : 2500 monthly sip into PPFC, 2000 monthly sip into nifty next 50index, 3000 lumpsum into ICICI prudential Bharat 22 FOF

age 19, please review my portfolio and advice

also, can I have a second goal along? I'm a bachelor but would plan for a car/trip/education in 5 years.. living with parents and no big expense as such for now.

Risk appetite: Moderate

Goal: Wealth creationism

Horizon: 8-10 years

Allocation: Inserted in the picture

App used: Groww

Hey everybody,

I know my portfolio is real messy as I started investing not through proper research but random suggestions from people around me.

The biggest mistake here is two regular SIPs, I want to convert, however I am worried about deductions as the first SIP has crossed 1.5 Lac returns while the second one has only made 11.5 K, I want to relocate my funds into better MF before its too late. I was new to MF back then, I have started to understand it now however there's still a lot to learn..

Please guide me through this.

Anybody who can advice, big thanks to you!

I started investing in July - September 2024 (right at the TOP of the Bull Market).

And I’ve been investing randomly since last two years. As soon as one of my FD expires, I put it into my portfolio of 50% PPFAS and 50% US equity.

I know PPFAS also have 10% exposure to US equity. And that’s exactly what I want and I’m OK with overweighting those mega tech companies.

Also , if I want to double my investments 30k (current) to 60k (later) , what would you suggest , should I just double all the SIPs I have currently?

Investment Horizon - 5 years

Medium Risk

I get 2k as my pocket money, pls be kind and open for giving advice....thank you in advance

Should I stop this liquid fund ? I am just a student so please don't judge my amount 😭 🙏.

Investment horizon - long term

Risk - moderate

21, just started my first job and recently began investing through SIPs of ₹5k/month.

Risk tolerance: Medium
Investment horizon: 5+ years

Trying to build a solid long term mutual fund portfolio while learning along the way. Would appreciate direct and honest suggestions on fund selection, allocation, overlap, or anything I should improve as a beginner investor.

Hi Everyone!

After studying, searching and going through various posts in this sub. I have finalized the above mentioned Portfolio.

Monthly SIP Amount: 25000

Annual Step Up: 10%

Investment Horizon: 20-25 years.

Risk Appetite/Tolerance - Aggressive

Reason for selecting funds- Mentioned in Snapshot

Please Review this portfolio and give your valuable feedback!

I was thinking of investing 40% into bandhan Bank small cap, 10% into hdfc midcap and 50% in flexicap(of my total lumpsum) how is this

PS: I am a newbie, kindly advice. Also this is my current portfolio but I have done arbitrary investments and want to straighten out. This was my idea on how to invest my lumpsum. Pls advice. Horizon-3 to 4 years

20 Years, 2nd year college student

Horizon : 5+ years

Risk appetite : Low-medium

I've been investing for 3 months now, just added PPFCP yesterday.

Any advice or feedback is welcome, as I am just beginning.

Age: 29

Investment Goal: Wealth creation

Risk Appetite: Moderate

Investment Horizon: 15-20 years

Platform: Coin

Monthly SIP: ₹27500

Allocation:

Quant large cap - 32%

HDFC Multi cap - 24%

Bandhan Small Cap - 20%

ICICI prudential flexi cap - 24%

HDFC NIFTY LargeMidcap 250 Index fund - 1L lumpsum

Reasoning:

I chose these funds based on past 3-5 years performance only. There is one lump sum NFO that was suggested by someone that I bought.

IDK what's right or wrong is the market like it my funds are not performing. It has just been a year so shall I wait for a couple more years or so?

Also want to know if I add a new fund or replace existing with a different fund after 3-4 years then I would lose the compounding momentum for this duration? Am I thinking correct? How to handle this? Basically how to restructure a portfolio?

Why is my XIRR -13%, is that legit?

Please give your honest feedback on this portfolio

Risk profile : Aggressive

Time Horizon : 10 years.

Hi, I am 32 having a 7L portfolio in MF already and starting a SIP - 60k step up 10% yearly with below every month now. I am open to invest in diversified portfolio, newly added Midcap, Gold, Silver(12k SIP) and Foreign

I want suggestions on the diversified allocation and the funds that I need to select.

Risk Profile - Moderate
Investment Goal - Wealth Creation and Children
Investment Horizon - 13-15 years
Allocation Details- as attached below
Why these funds- Been investing in
PPFlexi - didn’t fell even when Nifty fell
UTI Nifty 50 - Index
Invesco and Nippon Small caps - small cap

Which app do you use? - Coin