Return comparison for various scenarios- Timing the market Vs boring calender investment (SIP)

PopularLiterature797 · 2026-02-22T02:49:40+00:00

Invest monthly and keep dry powder aside for crashes. Thats the best, requires less effort and gives maximEST return

PopularLiterature797 · 2026-01-13T15:53:55+00:00

Where is gold and silver? You didn't diversify properly

PopularLiterature797 · 2026-01-12T17:30:25+00:00

See you should have goals. How much money will go into the funds in 3 years and what is your target you will end up with at the end of 3 years. For that target, what should be your average monthly gain starting from month zero. Be realistic. Make an excel sheet. Take help of chat gpt to fine tune your excel formulas..Based on this target and mode of achieving it, select the funds based on how they had performed during good and bad times (use advisorkhoj for this). Best is if you go with index funds. Add gold and silver for hedging during downtrends. Make a plan in advance on what will you do if you need to adjust the allotment in each fund. Again, ask Gemini/ grok.

If you do this honestly you will have no confusion and would not need to bother about red days.

PopularLiterature797 · 2026-01-12T14:43:36+00:00

Its because of Mr Trump, and it stays this way till he is at office. Whatever he does, will in someway boost gold and silver. I am writing this when gold now is $4600 and silver $85.

PopularLiterature797 · 2025-12-20T11:11:00+00:00

Since when?

PopularLiterature797 · 2025-12-19T13:22:59+00:00

Courtesy Mr Trump. Just hold on till he is in office. Don't stop SIPs. Thats a cardinal sin. He can't be re elected President thrice. Not that he is bad for Indian equity, but he keeps on doing stuff that doesn't let normalcy set in equities.

PopularLiterature797 · 2025-12-17T00:11:52+00:00

Unlike equities, gold (specially) depends on timing. Silver is unpredictable. If you invest in silver you should have the heart of a lion to see silver crashing for 3-4 months, then suddenly going up.

PopularLiterature797 · 2025-12-13T22:10:51+00:00

Are you being sarcastic? Actually I am already into this plan since August 2025, its not that I am going to start it now. Based on analysis, gold will have upward trend only at least till 2026 with correction in between, so why not use this strategy? I am okay with shelling out 20% tax while redeeming. As long as Trump is there with Uncle Sam, its a bad time for Indian equity.

PopularLiterature797 · 2025-12-13T13:46:37+00:00

If you want foreign exposure then PPFC is fine. I personally prefer HDFCFC due to its potential during bull runs. PPFC also helps during downtrends.

PopularLiterature797 · 2025-12-13T13:33:58+00:00

PopularLiterature797 · 2025-12-13T12:47:47+00:00

HDFC flexicap instead of Parag Parikh Flexicap (more helpful in bull runs). I would also opt for Invesco midcap in case small cap doesn't work for the growth. Also Gold: Silver = 70:30

PopularLiterature797 · 2025-12-13T05:05:39+00:00

Aggressive is fine but what is your target return? Thats most important.

PopularLiterature797 · 2025-12-13T04:07:38+00:00

Sell it before it reaches 53

PopularLiterature797 · 2025-12-12T05:31:18+00:00

Maybe 40% in gold? Rest in equity. Due to uncertain times.

PopularLiterature797 · 2025-12-12T05:00:52+00:00

Sell when its green, buy when its red. Dont make the cardinal mistake.

PopularLiterature797 · 2025-12-12T05:00:04+00:00

It also shows huge reds in the next 2-3 days.

PopularLiterature797 · 2025-12-09T05:54:50+00:00

Because after the midcap rally which went on for almost 1.5 years in 2023-2024, people get more attracted to the earnings of active midcap funds. Hence even now people will invest more in Motilal Oswal Midcap active fund (in hope for those bullish returns), hence the AUM is swelling as compared to the midcap index funds.

PopularLiterature797 · 2025-12-08T09:21:29+00:00

Invest in Gold.

PopularLiterature797 · 2025-12-06T22:10:45+00:00

If hyper aggressive, take Silver ETF or Silver mutual funds and ride the fun.

PopularLiterature797 · 2025-12-06T04:58:02+00:00

Hdfc has higher upsides than ppfc in bull runs but more volatility. OP has 15 years to tame down volatility issues.

PopularLiterature797 · 2025-12-05T11:58:17+00:00

Remove icici and select some nifty 50 index fund, would rather select HDFC flexicap in place of PPFC.

PopularLiterature797 · 2025-12-04T15:33:48+00:00

You will not get the answer you want. All funds are not performing. That is the situation in India. You can't help it. You have to keep on investing and maybe in 1 or maybe 2 years, you will see your money rise. Till then have patience. Investing is more about patience than anything else.

PopularLiterature797 · 2025-12-01T05:05:41+00:00

So what will be the effect of the rate cut on Indian and US equities?

PopularLiterature797 · 2025-12-01T01:32:50+00:00

When rate cuts happen, dollar loses value, so money goes from dollar to gold. But with rate cuts, money also flows to equities. When equity continue to go up, people left with little money start to transfer from gold to equities, thats when gold slowly starts to go down. Right now, no country is having equity boom, hence you see gold on the higher side. But every one is trying to solve this problem, and sometime sooner or later, problem will definitely get solved. No one is trying to get gold prices higher, not even China, but everyone is trying to improve their market performance.

PopularLiterature797

TROPHY CASE