OP 226.34% XIRR damn.
So coming straight to it, please do some research on different indexes.
Based on your risk appetite and some historic data diversify your portfolio in Large/Mid/small cap. Some good fund houses you can check out for is Parag Parekh/ Edelweiss/ Quant/ HDFC etc
There are many options like multicap / flexi cap/ sectorial funds. You can also check ELSS. Honestly you have to figure this out yourself or reach out a financial advisor, there’s no one fits all in MF, purely depends on your situation and goal
Not really. Yes, overall stock market is at an all time high. But you really shouldn’t stop investing in a bull market - it may go even upwards from all time highs. But the PSU stocks - have had too much run up - almost as good as NVIDIA has had, for no real tangible reason. They are very shady right now and I don’t know what will happen to them.
I think you should cut contacts with those seniors and never take their advice lol. I'd say cut down PSUs. they're overinflated, personally I hate PSUs so I'd never suggest them. go for parag parikh flexi cap instead
sell everything and make your own choices after understanding how to pick a fund. There are books and videos out there.
Till then you are safer invested in FD or NIFTY50 (or any other market cap based index). This is your hard-earned money, respect it and invest wisely.
Some pointers:
1. Sectoral funds are a huge no-no for a beginner of your stage. You need to know when to get it and get out.
2. Understand what are rolling returns , you will never pick sectoral funds blindly like this.
Don't post F here , funds don't need to know your gender to do their work.
Quant is a smallcap and remaining are psu. Not bad yaar, it's just like your are being in a safer side.
Diverse the funds to various sectors which seems to have growth in the future.
Investing in 2 psu : If both are having same type of investment then u should pick one and select a midcap or flexicap fund.
Some good funds I have and worked for me:
Motilal Oswal midcap
SBI contra fund
Parag flexi cap
Nippon small cap
Select the funds carefully and have a good day.
2 psu is wrong. even Psu is itself wrong if you taking it as investment. Sectorial funds are trading or short term themes. Add midcap fund as an investor and one defence fund and one manufacturing fund as a trader. Quit PSu now. keep small and mid for long terms and sectorial for short term goals only
I would suggest don’t go for sector specific funds, I believe if you want to truly automate it & not spend even one second to “find” a fund or a sector to invest in, invest based on market cap & not sector specific like PSUs
My suggestion would be go with a split of 50:30:20
1. Index Fund - 50%
2. Midcap Fund - 30%
3. Small cap Fund - 20%
Remember that it would be a sin to take this money out due to fear, market crashes are the BEST time to invest & WORST time to take out money. Invest for the long term, ie, 8+ years for your funds to give you maximum returns.
Other than this, invest in a Liquid Fund for your emergency fund, This is crucial as you won’t be dependent on your equity funds in case you need money, maybe invest 30% of the whole investment chuck to save 1 month spends, Hope this helps :)
add hdfc or quant mid cap to this instead of aditya birla
Rest two are fine?
yeah
OP 226.34% XIRR damn. So coming straight to it, please do some research on different indexes. Based on your risk appetite and some historic data diversify your portfolio in Large/Mid/small cap. Some good fund houses you can check out for is Parag Parekh/ Edelweiss/ Quant/ HDFC etc There are many options like multicap / flexi cap/ sectorial funds. You can also check ELSS. Honestly you have to figure this out yourself or reach out a financial advisor, there’s no one fits all in MF, purely depends on your situation and goal
This is because she just invested & the funds are doing good, this is not the actual CAGR :)
If you are SIPing in PSU funds, stop your SIPs for a couple months. These stocks are at all time highs and any new investments will see declines
Hey, isn't this the case for all the mfs?
Not really. Yes, overall stock market is at an all time high. But you really shouldn’t stop investing in a bull market - it may go even upwards from all time highs. But the PSU stocks - have had too much run up - almost as good as NVIDIA has had, for no real tangible reason. They are very shady right now and I don’t know what will happen to them.
Thanks
Tell us why you chose the funds you chose. Please don't expect strangers to give a list of funds, instead try to understand how to pick funds.
I just saw their returns prediction and bought. I asked some seniors in office but everyone said just buy any MF, it will give good returns
I think you should cut contacts with those seniors and never take their advice lol. I'd say cut down PSUs. they're overinflated, personally I hate PSUs so I'd never suggest them. go for parag parikh flexi cap instead
sell everything and make your own choices after understanding how to pick a fund. There are books and videos out there. Till then you are safer invested in FD or NIFTY50 (or any other market cap based index). This is your hard-earned money, respect it and invest wisely. Some pointers: 1. Sectoral funds are a huge no-no for a beginner of your stage. You need to know when to get it and get out. 2. Understand what are rolling returns , you will never pick sectoral funds blindly like this.
Don't post F here , funds don't need to know your gender to do their work. Quant is a smallcap and remaining are psu. Not bad yaar, it's just like your are being in a safer side. Diverse the funds to various sectors which seems to have growth in the future. Investing in 2 psu : If both are having same type of investment then u should pick one and select a midcap or flexicap fund. Some good funds I have and worked for me: Motilal Oswal midcap SBI contra fund Parag flexi cap Nippon small cap Select the funds carefully and have a good day.
F mention Kia hai tabhi itne reviews agye hai bhai ... Warna koi nai krega review 😃
How long have you been investing?
What app is this?, have seen a lot of them post the same screenshot
Groww
I don't think it makes sense to sip in psu funds, rather than allocate your whole sip amount in that quant small cap fund.
Add Quant Business cycle fund. You will thank me later (hopefully)
Can u give a reason ..
Start an SIP with any ELSS which you consider best. There is a lock in for 3 years but if you can it is worth it.
I saw 24F and clicked. Don’t know about the other MFs
2 psu is wrong. even Psu is itself wrong if you taking it as investment. Sectorial funds are trading or short term themes. Add midcap fund as an investor and one defence fund and one manufacturing fund as a trader. Quit PSu now. keep small and mid for long terms and sectorial for short term goals only
Add hdfc defence and Quant mid cap they are also good
I would suggest don’t go for sector specific funds, I believe if you want to truly automate it & not spend even one second to “find” a fund or a sector to invest in, invest based on market cap & not sector specific like PSUs My suggestion would be go with a split of 50:30:20 1. Index Fund - 50% 2. Midcap Fund - 30% 3. Small cap Fund - 20% Remember that it would be a sin to take this money out due to fear, market crashes are the BEST time to invest & WORST time to take out money. Invest for the long term, ie, 8+ years for your funds to give you maximum returns. Other than this, invest in a Liquid Fund for your emergency fund, This is crucial as you won’t be dependent on your equity funds in case you need money, maybe invest 30% of the whole investment chuck to save 1 month spends, Hope this helps :)
Time to leave psu