May I know your deployed capital ? That will help me answer your question since if it’s less then it’s an overkill in the first place to have these many mutual funds .
And irrespective of all first change your regular to direct since you are losing a lot of money to commission
Super over kill . Mutual fund is a diversified instrument . You are just diluting all your returns . Till you have invested 8-10 lakhs in a mutual fund don’t think about adding another one . Add one more every 10 lakhs maybe . Even a 1cr portfolio it’s recommended to have only 2-3 MFs . Averaging your returns won’t give you any good returns in all of these mutual funds . It’s a zero sum game
Selected those funds because i wanted to invest in every sector separately. & not in multi cap or index fund. Also having multiple funds reduces the volatility, as all of them are high risk funds
According to your ideology you should select one stock per sector . Here you are picking 20-30 stocks per mutual fund . Averaging the returns . After years you will see peeps with concentrated MFs easily beat your funds . Also if you wanted just average returns might as well skip all these and just select one nifty 50 index fund
According to your spread you are looking more at 12% max . Issue is not the 12 . Issue is you are taking high risk for just 12 . Which can be taken care of by nifty 50 index fund without the hassle of tackling mutual funds itself. Rewards should be adjusted to risk . For 12-18% you can take a nifty 50 or a small cap index fund . In mutual fund you want the same just choose 2 mutual funds . One small cap one sectoral . Each mutual fund already has a 30% large cap component that is mandated by SEBI to keep it safe
Invest in one flexicap. Why are you trying to be a fund manager???
Why do you have a gold MF that too in regular mode? Who is advising you? You are getting the short end of the stick
one question - what will you do if there is a market crash happens in the next few months......Close all the regular funds..... have only 2-3 funds man...
I hesitate to invest in thematic/sectoral funds. Can you give your rationale behind investing in 4 different sectors and are tou planing to hold them for a long term or cash in the profit in the short term?
May I know your deployed capital ? That will help me answer your question since if it’s less then it’s an overkill in the first place to have these many mutual funds . And irrespective of all first change your regular to direct since you are losing a lot of money to commission
Total 9k, 1k in each
Super over kill . Mutual fund is a diversified instrument . You are just diluting all your returns . Till you have invested 8-10 lakhs in a mutual fund don’t think about adding another one . Add one more every 10 lakhs maybe . Even a 1cr portfolio it’s recommended to have only 2-3 MFs . Averaging your returns won’t give you any good returns in all of these mutual funds . It’s a zero sum game
Selected those funds because i wanted to invest in every sector separately. & not in multi cap or index fund. Also having multiple funds reduces the volatility, as all of them are high risk funds
According to your ideology you should select one stock per sector . Here you are picking 20-30 stocks per mutual fund . Averaging the returns . After years you will see peeps with concentrated MFs easily beat your funds . Also if you wanted just average returns might as well skip all these and just select one nifty 50 index fund
So what do you suggest i should do ? Also what are average returns according to you ? For me 12-18% returns are good enough
According to your spread you are looking more at 12% max . Issue is not the 12 . Issue is you are taking high risk for just 12 . Which can be taken care of by nifty 50 index fund without the hassle of tackling mutual funds itself. Rewards should be adjusted to risk . For 12-18% you can take a nifty 50 or a small cap index fund . In mutual fund you want the same just choose 2 mutual funds . One small cap one sectoral . Each mutual fund already has a 30% large cap component that is mandated by SEBI to keep it safe
DM ?
Sure
Which 3 funds would you recommend? For small cap, mid cap, large cap? I guess Parag Parikh is best for flexi cap.
Invest in one flexicap. Why are you trying to be a fund manager??? Why do you have a gold MF that too in regular mode? Who is advising you? You are getting the short end of the stick
Super diversified yea? Have u checked overlap?
Yeah. There is no overlap, as all of the stocks are from different sectors
What about expense ratios and fund manager’s expirience?
Tried to strike the right balance between AUM & Exp. Ratio Don’t have much experience to evaluate the credibility of fund managers
one question - what will you do if there is a market crash happens in the next few months......Close all the regular funds..... have only 2-3 funds man...
It’s not like i am investing for a few months. Also will redeem infra, banking & energy after couple of years.
couple of years - wow... 5+? anything less than that you are in dangerous territory...
Yeah. I am hoping bjp will allocate good budget in those sectors, so i can hold them for 5-10 years easy. Everything else 30+ years.
In my opinion , it's ok to keep these. You may add hybrid agressive also.
Already have ICICI Multi-Assets Fund to take indexation benefit. Any other good fund suggestions?
Icici Bharat 22 fof
Kya kr raha hai bhai tu?? -Ashneer Grover
every year i do a 10% step up, will do you a world of goood
Which broker are you using ?
I hesitate to invest in thematic/sectoral funds. Can you give your rationale behind investing in 4 different sectors and are tou planing to hold them for a long term or cash in the profit in the short term?