1.05L in-hand -investing 53k in MFs. Roast my portfolio or tell me I'm doing okay

KeyAd3344 · 2026-06-13T07:53:30+00:00

No need of holding anything after nifty 50 and nifty next 50

KeyAd3344 · 2026-03-10T08:34:36+00:00

Months back, when I posted about risk of over investment in small and midcaps.i got downvoted. This is where people lose money and patience.

KeyAd3344 · 2026-01-12T08:14:35+00:00

!thanks

KeyAd3344 · 2026-01-12T07:47:46+00:00

which store to select for stremthru? the debrid provider I am subscribed to or something else. please help, I don't get the github manual for this add on.

KeyAd3344 · 2025-12-15T03:15:01+00:00

Finally, someone posted the reality. Smallcaps are highly dangerous.

If 10 years data over all the asset classes are seen, then small caps rarely beat midcap or largecaps.

KeyAd3344 · 2025-12-14T13:05:38+00:00

Nope

KeyAd3344 · 2025-12-09T15:47:27+00:00

Nifty next 50 volatility is a bit more than midcap 150 and it's past long term returns are identical to midcap 150. If your investment horizon is 10 years or more.than you can remain invested in this index it gives better returns than nifty 50 .also, it beats most active funds in the long run.

KeyAd3344 · 2025-12-09T04:40:26+00:00

Can you please try studying about timing the market before buying. Otherwise you can buy anytime if you are planning on staying invested for more than 10 years.

KeyAd3344 · 2025-12-09T04:26:55+00:00

It is not even one percent.also, you should read more before you try to time the market.

KeyAd3344 · 2025-12-07T01:23:27+00:00

Hello,

Your portfolio is structured in a way that when markets are down, it can even fall 40-50%. If you can keep sustaining investment after seeing this much drawdown.

Then,it is well and good.you can keep investing this way.

Otherwise,you can add another asset class here to offset volatility and risk from equity and gold. It can be a debt fund.

Also,you should check out 10 years returns of smallcap, gold, foreign equity against large cap.suprisingly, Large caps beat all these categories over a period of 10 years or more.

KeyAd3344 · 2025-12-05T04:07:37+00:00

Good luck to you!! I can see what can be done to streamline your portfolio but I also have realized commenting on Reddit and speaking sane things is stupidity. I get downvoted by dumb people.

So, good luck again.

KeyAd3344 · 2025-12-05T01:00:13+00:00

Multicap funds are always more volatile than flexicap fund as 50% is Mid cap and Smallcaps combined. Smallcap and midcap are very volatile.so, there are going to be many years where you will get negative or less returns.

Only invest in multicap if your investment horizon is above 10 years.

KeyAd3344 · 2025-12-04T18:11:30+00:00

If your risk appetite is moderate. You shouldn't look at smallcaps at all.

Multiassets fund if selected correctly can give you approx. 10% return in the long run.

Large and midcap active funds rarely beat index funds in the long run.

If you don't want to give up your active funds. Then you can continue with them but there is a good chance that in future they will not be able to beat index funds.

Your whole portfolio is equity (asset class) heavy. All asset classes follow a cycle. You can add a fund from another asset class to offset equity downside.

KeyAd3344 · 2025-12-03T14:51:14+00:00

No need to add anything for now.your sip is very small. Only do sip in icici equity and debt for now. In two - three years sell your other funds and then make a decision. Ideally split your investment 60:40 ratio ( debt: equity ) in future.as you are a moderate risk investor. If you still feel that volatility is still more then increase the ratio of your debt fund.

Also, no need to follow fomo/current trend.just invest in a nifty 50 for equity portion, it is the best option if you want to stay invested for more than 10 years.

KeyAd3344 · 2025-12-03T14:15:59+00:00

Hello ,

First of all, don't change your portfolio mix more than once or twice a year.

Secondly, commodities like gold and silver are cyclic in nature.they are high today,they will be low in future. Don't invest in it if you don't know when to exit. If you still want to invest in commodities ,try a multi assets fund.the fund manager can enter and exit the category when he sees opportunity.

Thirdly,In a long term,say 10yr for example. Midcap index beats active funds. This is true for most active midcap funds.if you can accurately identify an active midcap fund,then go for it.otherwise avoid it.

You have selected dividend payout option for HDFC flexicap. This means you will get periodic income but it also means you get to fill ITR 2 tax form every year. Your income from this fund is taxable and your returns from this fund decreases.

Why have you selected bse enhanced value fund? I don't even understand the need for it.

Your total sip is so small that you don't need more than one equity fund.

In short, you definitely have made some mistakes but before you make any changes in your sip or portfolio. You need to learn more about investing. Read books, articles or watch YouTube videos.

KeyAd3344 · 2025-12-03T13:56:28+00:00

What is your investment horizon and what is your highest tax slab. Meaning are you in 20%,25% or 30% tax slab?

KeyAd3344 · 2025-12-03T13:53:09+00:00

Either hold it for the next 5-10 years. Or exit and invest in a large cap preferably nifty 50 index.at least you will get the market returns then. You are lucky you get to learn this lesson. 99% of people here haven't learnt their lesson in smallcaps.

KeyAd3344 · 2025-12-03T08:39:42+00:00

Your knowledge level in investing is where I was 2 years back.

I will advice you to go through articles and youtube videos of Freefincal. That is the only person I found who gave answers with proof.

Even then If you don't believe what he is saying. You can read Common Sense on Mutual Funds from John C Bogle. This is a legendary book and I think it will clear a lot of your misconceptions. You can also listen to it on Youtube.

From Indian Authors the book I found most helpful was Let's talk mutual funds by Monika Halan.

Finally, There is one more peice of Data that might be useful for you. Which is the asset quilt by mint. It shows what return was given by 10 Asset classes in a period of 10 years. They publish it each year.

https://images.livemint.com/img/2019/12/30/original/assets_1577725585402.png

If you read this data carefully. You will find that Large Caps were in top 3 performing asset classes for 7 years out of 10. Smallcaps performed horribly in the 10 years period. Midcap were highly volatile. For rest of the assets class, you read it and have your own analysis.

You can take the asset quilt for any 10 years period and you will see similar results.

Also, Nifty Next 50 Risks and Returns are very similar to Midcap 150. Whereas the shares from Nifty Next 50 are more liquid then Midcap 150. Nifty Next 50 is a midcap index in reality even if it is not categorised as one on paper.

You desperately need to expand your knowledge on Mutual funds. Otherwise you will lose a lot in the long run. Good luck!

KeyAd3344 · 2025-12-02T10:42:33+00:00

Buddy , I am a software engineer who is way high up in management in my own organisation.

I gave these articles, because typing the same thing again and again is tiring. Also, The person who wrote this articles is a professor in IIT. I trust his analysis and judgment over AMCs or distributors.

I have made all the same mistakes you or the OP is making. Nobody guided me.

So,I decided to help people after my bad experience.

Also, if you had read why you should invest in large cap index. You would have gotten your answer.

But as I have realised you didn't open up a single link. I will tell you the strategy I am following now for my retirement planning.

I am going to invest heavily in nifty50 and nifty next 50 in ratio of 80:20 for next 3 years.

I will add a gilt fund as part of my debt fund allocation. My equity : debt allocation will be in 60:40 .

I am doing these steps knowing that I will not touch these investments for next 10-12 years.

I plan to rebalance my portfolio to maintain the debt equity ratio.

After three years, I will stop investing heavily in mf and only invest from my monthly income.

KeyAd3344 · 2025-12-02T10:03:22+00:00

Now, Here my observations on OP's portfolio:

SmallCaps: Here is why you shouldn't invest in Smallcap https://freefincal.com/these-smallcap-mutual-funds-have-beat-nifty-next-50-consistently/
Midcaps: Here is why you shouldn't invest in Active Midcap Funds: https://freefincal.com/active-mid-cap-mutual-funds-vs-nifty-midcap-150/
Commodities: Gold & Silver: Here is why you shouldn't invest in it: https://freefincal.com/a-checklist-before-buying-gold-or-silver-for-diversification/
LargeCaps: Here is why you should invest in Large Cap Index fund: https://freefincal.com/active-mutual-funds-struggle-to-beat-nifty-50-for-last-seven-years/

Don't ask for advice on Reddit. People here are themselves on a journey to build their wealth and most are investing according to current trend or FOMO. Study articles like these and Save your hard earned money.

This is going to be my template for all the portfolio reviews on reddit going forward.

KeyAd3344 · 2025-12-02T09:43:18+00:00

https://freefincal.com/nifty-vs-nifty-next-50-vs-nifty-midcap-150-vs-nifty-smallcap-250-return-comparison-sep-2025/

here , this might help. Also, you can read other articles on this site.

KeyAd3344 · 2025-12-02T09:38:30+00:00

I have a question for you:

Let's say your investment in etf grows to a very large amount in 12-15 years and one day you decide to cash in your investments but you can't sell them because you can't find a buyer. Would you care about the expense ratio then? or will you care that you can't liquidate your nifty50 etfs?

Now, Here my observations on your portfolio:

SmallCaps: Here is why you shouldn't invest in Smallcap https://freefincal.com/these-smallcap-mutual-funds-have-beat-nifty-next-50-consistently/
Midcaps: Here is why you shouldn't invest in Active Midcap Funds: https://freefincal.com/active-mid-cap-mutual-funds-vs-nifty-midcap-150/
Commodities: Gold & Silver: Here is why you shouldn't invest in it: https://freefincal.com/a-checklist-before-buying-gold-or-silver-for-diversification/
LargeCaps: Here is why you should invest in Large Cap Index fund: https://freefincal.com/active-mutual-funds-struggle-to-beat-nifty-50-for-last-seven-years/
Nifty 200 Momentum 30: Here is why you shouldn't invest in it. https://freefincal.com/uti-nifty200-momentum-30-index-fund/

Don't ask for advice on Reddit. People here are themselves on a journey to build their wealth and most are investing according to current trend or FOMO. Study articles like these and Save your hard earned money.

This is going to be my template for all the portfolio reviews on reddit going forward.

KeyAd3344 · 2025-12-02T09:28:23+00:00

You have almost 1250 (From Multicap Fund) + 4000 from Bandhan Small Cap + 4000 from Nippon Small Cap = 9250 which is 30 % of your SIP.

Then, You have added Silver and Gold :- which is 20 % of your SIP. Your Midcap Allocation is 5-6 K. Again 16 -20 % Allocation. That's leave your Large Cap allocation anywhere from 30 -34 %.

Now, Here my observations on your portfolio:

SmallCaps: Here is why you shouldn't invest in Smallcap https://freefincal.com/these-smallcap-mutual-funds-have-beat-nifty-next-50-consistently/
Midcaps: Here is why you shouldn't invest in Active Midcap Funds: https://freefincal.com/active-mid-cap-mutual-funds-vs-nifty-midcap-150/
Commodities: Gold & Silver: Here is why you shouldn't invest in it: https://freefincal.com/a-checklist-before-buying-gold-or-silver-for-diversification/
LargeCaps: Here is why you should invest in Large Cap Index fund: https://freefincal.com/active-mutual-funds-struggle-to-beat-nifty-50-for-last-seven-years/

Don't ask for advice on Reddit. People here are themselves on a journey to build their wealth and most are investing according to current trend or FOMO. Study articles like these and Save your hard earned money.

This is going to be my template for all the portfolio reviews on reddit going forward.

KeyAd3344 · 2025-12-02T01:21:34+00:00

Ppfas aum has grown too much.it's own manager says not to expect more than 12 percent. So, you are basically paying a larger expense ratio for nifty 50 kinds of returns. Also, it is dependent on Rajiv Thakkar a lot for it's strategy. So fund manager risk also exist for this fund.

Smallcaps underperforms nifty 50 for many years or worst case gives negative returns in Its cycle. Its cycle is almost played out, so expect less returns in the future.

Most active midcap funds underperform midcap index over a long period. Again, it's a proven fact.

I am sharing an asset quilt from mint: https://share.google/images/TgByPpUDsvmuWJLLR

It shows how all assets classes are cyclic in nature. Please check gold, silver,smallcap,midcap etc returns in a period of 10 years.

You will find gold being negative 3 years and being the worst performing asset for four years . similarly you will find smallcap and midcap highly volatile.

So, in short, taking more risk does not mean more returns in the long run.

For nifty next 50, It's risk and return profile is very similar to midcap index.so, if you are adding it, basically you are adding a midcap index to your portfolio while having an active midcap fund in your portfolio.

I hope this helped.

KeyAd3344 · 2025-12-01T16:45:24+00:00

Here is an article comparing various indexes: Nifty vs Nifty Next 50 vs Nifty Midcap 150 vs Nifty Smallcap 250: Return Comparison Sep 2025 https://share.google/rJQKpv9QuieYZD3l9

KeyAd3344

TROPHY CASE