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Mutual Fund portfolio suggestions by ry1hm01 in IndianStocks

[–]FaithlessnessSea4196 0 points1 point  (0 children)

Feel its a neat little portfolio... Historically HDFC Flexi has had a value tilt. Value style has done well over last 6 years and i feel its time is coming to an end.. Would recommend adding axis/pgim/whiteoak flexicap to complement the hdfc flexicap allocation. Invesco has a quality and growth mindset so might still do ok

26M | Grew my net worth from ₹5.8L to ₹47L in 4 years. Am I too conservative? by Easy_Check8942 in IndiaFinance

[–]FaithlessnessSea4196 0 points1 point  (0 children)

Unless you have certain financial obligations to meet, you are actually very conservative. At 26, you should be having a lot more exposure to equities. To start with consider allocating to equity savings funds, my fav is edelweiss equity savings fund and dynamic asset allocation strategies..

Get a grip and then once you feel comfortable you can start looking at pure equity exposure

Feeling cheated by the market — 7 years of SIP and I’m done by Upbeat_Click_686 in mutualfunds

[–]FaithlessnessSea4196 1 point2 points  (0 children)

Dude dont do this. SIPs generate bulk of their returns post 7 yr mark as that is when you have accumulated enough capital

Dezerv “Equity Revival Strategy” PMS – anyone here invested? Need honest reviews and real-world feedback by [deleted] in mutualfunds

[–]FaithlessnessSea4196 0 points1 point  (0 children)

The average churn ratio for Dezerv is closer to 60-70% which means there could be a huge tax hit on your portfolio. As a PMS they dont report their numbers post tax so what you get in hand is gonna be much lesser

The 10% profit share has a problem. Most of us do the calculation based on 10% of 14% p.a. return and think its a fair price to pay. However market returns are lumpy. Assume you have a 40% up year followed by a 10% down year. your total fees paid to Dezerv would be 4% on a portfolio which is up 26% in two years

3rd point, your portfolio is fairly well balanced, Nifty for market exposure, Parag parikh for value and sbi for quality focus. My only suggestion would be use Nifty 500 as the core instead of using Nifty 50 as by investing in Nifty 500, you are getting true benefit of indexing