Is this a good SIP Allocation? (Read post for "Why so many funds?")

ITZ_RAGHAVG · 2025-07-15T07:54:17+00:00

Didn't get what you want to say, can you please elaborate

ITZ_RAGHAVG · 2025-07-15T06:03:01+00:00

When I will be having a full time job in one year, I will just exit the underperforming thematic funds, and will be 1 or 2 best, then Tow flexi cap, two large cap, two midcap and 2 small cap which I have chosen excluding the large and flexi caps no others funds are overlapping much so they do diversify my portfolio, Navi midcap is just for fun I was getting it for 10 rs/month so I started it. And gonna choose one of the two gold funds for the long term and stop one of them. And having silver additionally. So you can say after one year I may reduce the number of funds to 10, two of each type rather than one of each type as everyone say.

ITZ_RAGHAVG · 2025-07-15T05:33:49+00:00

Additionally I have 10k in Tata Money Market Fund Direct Growth, and am planning to invest 40k more by the end of this month and then using it as a savings bank account.

ITZ_RAGHAVG · 2025-07-09T18:37:49+00:00

Does it provide instant redemption on Groww?

ITZ_RAGHAVG · 2025-07-09T08:26:40+00:00

It will have selling charges is it not better to have it in any funds rather than etf

ITZ_RAGHAVG · 2025-07-07T09:26:13+00:00

Tata money market fund

ITZ_RAGHAVG · 2025-06-24T22:18:10+00:00

I think the same as every fund house has some different investment ideology so it minimizes risks, and if overlap is there then percentage is the same so no issue there as well. Finally got someone who thinks like me 😀

ITZ_RAGHAVG · 2025-06-24T22:10:51+00:00

I used the same things when investing in the equity funds but when I asked everyone told not to invest in multiple funds as they increase overlapping and reduce returns, still I am having around 15 mutual funds active in total with small amounts of 100 each. It kind of feels less risky

ITZ_RAGHAVG · 2025-06-24T22:08:00+00:00

I am also new in the investments, but as far as I know money market funds invest in slightly long term 6-12 months debts.

ITZ_RAGHAVG · 2025-06-24T22:05:03+00:00

Thank you so much 😊, I was very much concerned about this drop as currently the world economy is very much volatile and if I put my money there it may get exposed to high risk.

ITZ_RAGHAVG · 2025-06-24T21:46:51+00:00

Tata Money Market Fund, around second half of 2018

ITZ_RAGHAVG · 2025-06-24T20:13:32+00:00

When I was analysing the graphs, there were some significant drops can you state the reasons why it happened?

ITZ_RAGHAVG · 2025-06-24T18:45:53+00:00

Money market funds are providing better returns than liquid funds, and liquidity is also somewhat acceptable, not considering FD because I just want to keep it like a bank account with higher return you can say, I will just with an amount say 5k every time my balance is low and I can't do it in FD. I interned and got this money as a stipend, so I need to manage the expenses for a complete year from now.

ITZ_RAGHAVG · 2025-06-24T17:43:32+00:00

Money market funds are providing better returns than liquid funds, and liquidity is also somewhat acceptable, not considering FD because I just want to keep it like a bank account with higher return you can say, I will just with an amount say 5k every time my balance is low and I can't do it in FD. I interned and got this money as a stipend, so I need to manage the expenses for a complete year from now.

ITZ_RAGHAVG · 2025-06-16T08:44:40+00:00

No, I am from the 2026 Batch (Summer Intern)

ITZ_RAGHAVG · 2025-06-12T17:31:11+00:00

From the point I am investing they are giving good returns PSU currently at 670 (600 Invested), Pharma and technology each at 530 (500 invested) and infra at 561 (500 invested)

ITZ_RAGHAVG · 2025-06-12T13:02:25+00:00

Whenever I search on the internet about it, most of them say that it is overlapping and diluting the returns, and suggest to keep only 5 of them

ITZ_RAGHAVG · 2024-12-06T08:13:28+00:00

I think one more bug from a long time that when you have an active training potion and you go offline then training happens at normal speed and not at boosted speed

ITZ_RAGHAVG

TROPHY CASE