r/mutualfunds

Age 26.

Risk Profile is High

Investment Horizon..15+ years

App using to invest - Zerodha Coin

Investment goal: is for corpus building

Selected these funds based on just yt scrolling etc etc

Other Investment: Buying Gold when I have some lumpsum amount

I am extending this to 30k starting next month. Can anyone analyse it and help me any suggestions How should i do it or i am doing anything wrong?

I started this a year ago and didnt do much research because i just wanted to start.

https://preview.redd.it/w5ydxexclkkh1.jpg?width=1338&format=pjpg&auto=webp&s=5d03abfc23325b165e618a178f288e5e75fd0cc7

https://preview.redd.it/e1f0c48elkkh1.jpg?width=1150&format=pjpg&auto=webp&s=df05aa3d295cb1f6c0907ae71f83c16a554a6c4d

Looking at the current market condition, where would you suggest to place a lump sum amount ?

The lump sum amount will keep coming after every 3-4 months.

Already have an emergency fund is created in arbitrage funds.

Time horizon minimum around 1-2 years and can be more.

Risk : highly aggressive since backup finds are in place!

I'm looking at Equity Savings or Multi asset allocation but don't have better understanding on these funds so if anyone can help me with this!

Hello everyone, I’m thinking to start investing 2000 daily, that is 60000 monthly and yearly 720000. I want to ask you all how to allocate this funds?
Risk appetite: Medium to high
My targets are long time, I’m not going to withdraw any of them till 10-20 years. Let me know how I can allocate them…

Are there any mutual funds for international investments still open ?

I want to start investing, i get pocket money every month so i want to start investing with small amount of 100-200rs. every month (ik its very small but I can't invest more rn bcs im in college and I'm not earning).

I made my account on Groww and I did some research and found out, SIP in index funds like Nifty would be good.

I don't have much knowledge about stock market rn, so-

1. should I start doing this or not?

2. In which mutual fund should I invest? (with less risk or high returns)

3. Is Groww ok to start with this or should I use another app?

4. I'll increase the amount with time so can I increase the SIP amount in the same fund in which I'll be investing?

Ppfas - 17L

Hdfc flexi - 8L

MO midcap - 2L

Whiteoak - midcap - 2L

Edelweiss midcap -4L

Invesco Small cap -4L

PF - 20L

FD - 9L

Age: 39

Risk profile: moderate - high

Horizon: 5 years

Goal: Retirement .

Hey folks, just a quick update for those tracking international mutual funds. Mm

Effective August 18, 2026, HSBC Mutual Fund has resumed fresh/additional lumpsums, switch-ins, and SIPs/STPs in its international schemes.

The Funds:

HSBC Asia Pacific (Ex Japan) Dividend Yield Fund

HSBC Brazil Fund

HSBC Global Emerging Markets Fund

I’m trying to decide whether it makes financial sense to invest in paid smallcases instead of active mutual funds for a long-term horizon of around 7–10 years.

I generally prefer concentrated portfolios with a strong small-cap focus. Given a higher risk appetite and a long investment horizon, I’m attracted to smallcases because they can provide more concentrated exposure and potentially generate more alpha than a mutual fund.

However, I’m concerned about the additional costs and, more importantly, the tax implications of frequent rebalancing.

Mutual Funds — Pros

- Tax-efficient compounding: The fund manager can buy/sell stocks without creating a capital-gains event for me personally. I generally pay capital-gains tax only when I redeem my MF units.

- Lower ongoing costs: Expense ratios can be relatively low, especially for direct plans/index funds.

- No need to manage rebalancing: The fund manager handles portfolio changes, buying/selling and allocation.

- Better tax/transaction efficiency: The fund structure allows portfolio turnover without me individually realizing gains on every transaction.

- Simple for long-term investing: I can keep investing and leave the portfolio untouched for years.

Mutual Funds — Cons

Expense ratio scales with your investment: Unlike a fixed-fee smallcase subscription, the amount you pay to the MF increases as your corpus grows. For example, with a 1% expense ratio, ₹10,000 invested means roughly ₹100/year in expenses, whereas ₹1 crore invested means roughly ₹1 lakh/year. So as the portfolio becomes larger, the absolute cost of the expense ratio becomes increasingly significant.

Less concentrated: Even active small-cap funds may hold a fairly large number of stocks.

Smallcases — Pros

Much more concentrated: I can specifically target 10–20 or so small-cap stocks and take significantly higher active risk.

Potentially higher alpha: A good smallcase could potentially outperform an active MF if the strategy has genuine, persistent alpha.

Fixed subscription can become cheap at scale: A ₹5–10k annual fee becomes relatively insignificant as the portfolio grows.

Smallcases — Cons

Capital-gains tax on rebalancing: This is my biggest concern. When a smallcase sells a stock at a profit during a rebalance, I personally realize that gain and potentially pay STCG/LTCG, whereas an MF can do this internally without triggering a tax event for me.

Transaction costs: Brokerage, STT, exchange charges, stamp duty, DP charges, etc. accumulate as stocks are bought and sold.

Subscription fees: Good smallcases can cost ₹5–15k+ per year, which can be significant for a smaller portfolio.

Higher turnover can create significant tax drag: A strategy that frequently rotates stocks could force me to pay taxes years before I actually need to withdraw the money, reducing compounding.

More responsibility: I have to deal with individual stock transactions, taxation, rebalancing and the temptation to interfere with the strategy.

My main question

Considering a 7–10 year horizon at least, is a paid smallcase actually financially superior to an active small-cap MF if the smallcase generates enough additional alpha?

I'm okay with the subscription fee if the strategy genuinely has a good probability of outperforming. My bigger concern is whether the tax drag from frequent rebalancing + transaction costs can eat up a meaningful portion of the additional alpha.

For example, if an active small-cap MF generates ~15% CAGR and a smallcase can potentially generate ~18%, would the smallcase's additional tax/transaction costs make that 3% excess return less meaningful than it initially appears?

For those who have actually invested in smallcases for 5+ years: how do you evaluate whether the additional alpha is sufficient to compensate for the structural tax and transaction-cost disadvantage versus MFs?

I'm particularly interested in small-cap-focused smallcases, since that's where I'd be willing to take the additional risk.

I've been looking for a simple way to see how my mutual fund portfolio performed month by month, but haven't found exactly what I'm looking for.

Most apps show current returns, absolute returns, XIRR, etc. But I want something like:

January: +2.1%

February: -1.3%

March: +3.4%

April: +0.8%

May: -2.1%

Ideally, it should calculate the monthly portfolio return automatically while accounting for SIPs/additional investments.

Currently, I've been manually recording my portfolio value every day and calculating the monthly return. The problem is that if I forget to record even one day, my tracking gets messed up.

Is there any Indian app/website that already does this properly?

I'm specifically looking for portfolio-level month-wise returns, not just the historical monthly return of an individual mutual fund.

Would appreciate any recommendations or alternatives you've personally used.

I am looking to start an investment in Kotak nifty next 50 index fund. I have heard bad experiences with the customer care of kotak banks. i was wondering if someone who is invested in the kotak funds tell me how the customer care experience been. and if you could also tell me in your experience which AMCs are good in customer care. I dont want my beneficiaries to have a tough time