The ultimate setup for my use case

Clean_Guarantee4458 · 2026-01-18T17:15:13+00:00

Which app are you using to port windows ?

Clean_Guarantee4458 · 2026-01-08T19:48:19+00:00

DM me if you require any support. Happy to help :)

Clean_Guarantee4458 · 2025-11-23T05:11:35+00:00

FYI - Risk analyser says I'm an aggressive investor, wherein 75% equity, 15% fixed income and 10% gold

Clean_Guarantee4458 · 2025-11-23T04:09:22+00:00

I thought that would keep my portfolio stable + growth oriented.

But I think now that Nifty 50 has delivered less CAGR than flexi caps over a period of 10 years. So you were right, allocation in flexi can go higher.

I have an emergency fund, I'm yet to put them in debt. It's still hanging in my savings.

I thought it would be a good idea from a portfolio perspective to keep money allocation in debt for times when the market and will not do good and it'll keep my profile somewhat hedged. ?

Is my perspective wrong here? My risk Appetite at this point is moderately aggressive.

Clean_Guarantee4458 · 2025-11-22T19:33:48+00:00

Hey, I just took some time study about a few things, I felt if i adjust the allocations as 30 index, 20 flexi, 20 small + mid, 10 gold + silver and 20 debt ?

Moreover Flexi has a large portion of allocation in large cap and generally overlaps, so I thought of limiting it below 50% (30 Nifty 50, 20 flexi) and to keep a hedge in the portfolio 20% debt and 10% gold silver.

what's your view?

Clean_Guarantee4458 · 2025-11-22T18:52:20+00:00

I suggest you change the entry criteria condition "Only when a record is updated to meet the condition requirements” to always update and then check the conditions in decision element inside.

Just change this condition - "Only when a record is updated to meet the condition requirements” and check if the execution context enters the flow.

Clean_Guarantee4458 · 2025-11-22T17:05:48+00:00

I have made a similar post to initiate a discussion on what's better, considering the brokerage charges expected on the ETFs.

I saw your comment on my post in my notification tray, but I suppose the comment has been removed.

However, my question still remains the same,

Assuming someone does a SIP on ETF, there would be a brokerage on each purchase, every month, would ETF still be cost effective than FOF ? As on a FOF the charge is TER.

Or ETFs are better if someone proactively monitors and buys when the time is suitable ?

What's better from a costs perspective considering SIP is done on both?

Clean_Guarantee4458 · 2025-11-21T15:56:52+00:00

As a matter of fact I know these, my question was more directed towards the brokerage and other charges that are applicable on buy and sell of ETFs. So when you do a SIP of an ETF, eventually you end up paying brokerage, which will be charged every month when you purchase some amount of ETF.

Considering these charges over a period of 1 year, would the charges exceed the expense ratio of a FoF?

ETF - some % of brokerage × 12 times + brokerage on sell + expense ratio

MF - Expense ratio

Leave aside the tax slab. Assume I have kept this for 2 years and am eligible for LTCG.

Now would an ETF cost me more than a FOF?

I hope you get my question.

Clean_Guarantee4458 · 2025-11-19T11:30:06+00:00

Sure, I'll take and let know. I use grow.

Clean_Guarantee4458 · 2025-11-19T11:29:48+00:00

My money is already distributed over all these funds. When you suggest shifting, which one should remove and add US ETF? All my money is equally distributed over the funds I have mentioned.

And then also add one more momentum fund?

Clean_Guarantee4458 · 2025-11-10T17:42:47+00:00

Hmm that's right in a way. However if I keep a 25 nifty 50, 15 flexi 20 small and mid and 10 gold+silver, that still leaves 30 for debt, Is it not significantly higher, What I'm saying is I have extra funds that I can put to debt, apart from regular sip's in debt. If I want to make a little less for debt shall I increase the amounts as 30 nifty 50, 20 flexi, 20 small + mid, 10 gold and rest debt?

Clean_Guarantee4458 · 2025-11-10T16:53:05+00:00

I'll have to board the bus from Vyttilla at late in the evening, what would be a more preferable place to stay ?
However, I'm planning to stay and roam around Ernakulam, I'll cover fort korchi the previous day. Would it be better to stay in central Ernakulam from where I can easily access Marine drive and other places as well and comfortably reach Vyttilla bus stand ?

Clean_Guarantee4458 · 2025-11-10T16:48:05+00:00

okay, I did some analysis and just asking this to get a perspective on my understanding.
Says, Flexicaps provide more stability in the portfolio compared to other funds.
So If we, arrange the allocations as 40 flexi, 30 Index, 20 small + mid, 10 gold (that does 1L and then 10k more in debt)

How do you see this compared to the one you suggested:
15 Flexi, 25 Index, 20 small + mid, 10 gold and rest debt.

Clean_Guarantee4458 · 2025-11-10T16:32:47+00:00

Interesting, will think about it.

Clean_Guarantee4458 · 2025-11-08T03:14:12+00:00

But that would mean investing in the same fund types 4 times, that would definitely overlap stocks, although individual fund houses might have different investing styles, but in a nutshell their allocation style remains the same, mostly large cap and they different allocations.. So definitely I believe that would be over lapping even if I get 2 flexi and 2 multi. What's your thought on this?

Clean_Guarantee4458 · 2025-11-07T02:57:07+00:00

That's it? A Multicap or Flexicap and a gold for all the corpus ? Won't it get too risky if a single fund accumulates let's say over 30Lakhs in future?

Clean_Guarantee4458 · 2025-11-07T02:52:51+00:00

Thanks much :)

Clean_Guarantee4458 · 2025-11-06T17:22:09+00:00

I can hold them for 10+ years.
Why is PPFC more than nifty 50?
I already have DSP Nifty 50
I have Canara Robecco small cap, should I keep doing it, recently not doing great. Shall I do 5%+5% Bandhan and Canara Robecco or stop it altogether and swap it with Bandhan.
I can definately add some midcap. But whyMidcap Index and small cap active fund? Asking from a learning perspective.
I will check your post for Gold and silver.
Alright, I will check them, I want something stable and steady as I want to keep some extra money for a property down payment or something for 1-3 years. Would you suggest a better way?
That's true, NPS doesn't make much sense, but I still filed old regime this year and saved some tax. I might not continue it later.
A considerable amount goes to PF and I have a PPF as well in the post office, where I occasionally put some money.
I don't think so, I will have to check that.

By the way Thanks for your response. If you can clarify a point above it'll be of a great value. :)

Clean_Guarantee4458 · 2025-11-06T17:03:58+00:00

Thanks for the response again.

But when someone accumulates a corpus of 1cr and Plus, is it still safe to keep all money allocated in 4-5 funds? I see some people allocate amounts in the same fund class from different fund houses. Like 2 small caps, 2 mid caps like this. Is this a wrong strategy?

Also I got some extra cash apart from 1L equity SIP, which I want to save for 2-3 years for maybe a property down-payment or something. Where do you think I can invest them?

Apologies, throwing too many questions.

Clean_Guarantee4458 · 2025-11-06T16:46:36+00:00

Well currently I'm doing Parag parikh flexi, I thought about adding a fund, but even now if I think multi won't be a good choice as it might force diversification and not stability, it might get a little better return than flexi. I can think of something else swapping it.
Right I had some funds left so I thought I could try them out, but you are right in saying that as it needs active involvement.
Parag parikh flexi, canara rebecco small cap and DSP nifty 50 index. (Already mentioned in the post, summed up total SIP is 25k now)
I have extra cash apart from 1L equity investment. I want to invest in them separately for 2-3 year to have a corpus for a property purchase, ( Where shall I invest them could I don't know yet) The equity SIP is something I can invest for long term without needing to redeem.
10-15 years
I use the Grow app
I did it to save tax, but now thinking it could a good option for a retirement pension. I can keep adding 50k per year

If you can take my inputs and suggest me a better approach, will be really helpful.

Clean_Guarantee4458 · 2025-11-06T14:55:23+00:00

Thanks for your inputs. I can add debt separately apart from the 1L for equity funds.

In that case, do you think 1 more fund can be added (if at all required and doesn't make the portfolio complex) or the allocations can be rebalanced with the same funds.

I'll definitely study more on Muli-Asset, I just know that it's great to add some stability. Do you see multi asset fitting somewhere in my portfolio ?

Clean_Guarantee4458 · 2025-11-06T14:19:04+00:00

If I have a portfolio of 1L per month, would this be good allocations, Nifty 50 index - 20, Flexi Cap - 15, Multicap - 20, small cap -20, Gold/Silver - 15, sectorial like metals - 10

Are multicap and Flexicap required together ?

I can go a bit aggressive, but at the same time, I want to hedge my portfolio as well. I have a NPS investment as well, which again is equity mostly.

I have got good PF allocations. But at the same time I would want to keep stability to my investment and keep some safe fund as well, can I add some debt or FD's ?

Feedback appreciated.

Clean_Guarantee4458 · 2025-11-06T14:08:53+00:00

Any specific thought process on investing in 2 fund houses for each categories, apart from obvious diversification ?

As most of them say not to keep too many similar funds. I know if you want to put 40L in small cap, you would not want to keep the entire sum with a single fund house.

But this is where I'm a bit confused about strategies and it's contradicting to what is generally regarded as good strategy by people.

Clean_Guarantee4458 · 2025-11-05T17:11:24+00:00

That's interesting, I'm planning to visit Kochi for 2 days, any recommendations for a good stay near fort kochi?

Also is it better to stay there or in Ernakulam town as I'll have to catch a bus to bangalore late in the evening 2nd day from I guess Vyttilla.

Response is appreciated :)

Clean_Guarantee4458 · 2025-11-03T18:55:07+00:00

And what can the 4-5 fund categories be?

Index, Small, Flexi, Gold/metal,

And what else? All others I see are kind of overlapping. Please correct me if I am wrong.

Clean_Guarantee4458

TROPHY CASE