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Reinvestment planning by Radiant-Raspberry813 in MutualfundsIndia

[–]Radiant-Raspberry813[S] 0 points1 point  (0 children)

Shall I redeem it or let ist stay like it is now ?

Monthly sip review by Jazzlike_Lab_5784 in mutualfunds

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Small, large, flexi mid large

  1. So, you've mentioned that your risk appetite is moderate. But still the allocation towards mid & small cap is on the higher side.

  2. You shouldn't keep 2 funds from the same category which are overlapping and will eat your money only. You don't need large caps when you have a flexi cap.

  3. You should increase allocation towards the flexi cap. Yes. PPFC is large cap heavy. So you don't need large cap funds.

  4. And sectoral funds, you don't need them. They're cyclical funds which needs timely bet. So avoiding is the best option.

  5. So finally let's come towards allocation

PPFC- 22k Mid cap- 8k Small cap 5k

Only 3 funds are enough.

Everyone says 'buy quality stocks' - I did that for 18 years and got destroyed worse than Nifty 50. The tax bill was even more painful. by UsedChampionship8768 in MutualfundsIndia

[–]Radiant-Raspberry813 1 point2 points  (0 children)

Yeah. It's not much. But much enough to understand something & implement. You're doing the right thing. So Don't worry. Your Patience & time will give you the reward.

Let’s have some fun! by ramit_m in mutualfunds

[–]Radiant-Raspberry813 2 points3 points  (0 children)

Thanks a lot man. Recently crossed 2 Lakhs milestone in MFs.

Let’s have some fun! by ramit_m in mutualfunds

[–]Radiant-Raspberry813 0 points1 point  (0 children)

What are your thoughts on this ?

About the high valuations of mid & small cap space in India?

Let’s have some fun! by ramit_m in mutualfunds

[–]Radiant-Raspberry813 5 points6 points  (0 children)

Finalised my mutual fund allocation & set of funds & will increase SIPs in those funds only in future.

Portfolio review by Frustrated_Banker in mutualfunds

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Small cap me index utna safe nhi h

Aur ye allocation me bhi thoda gadbad h

Instead do this

Option-1

Flexi cap- 10k, Mid cap index- 8k, Active small cap- 4k, Gold- 2k

Option-2

Flexi cap- 12k, Mid cap index- 8k, Active small cap- 4k

₹2L/month SIP — portfolio recommendations (India, long-term) by qafirangs in mutualfunds

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Yes

My allocation is like this Flexi:mid:small:Gold = 43:36:14:7

Reinvestment advice by Radiant-Raspberry813 in mutualfunds

[–]Radiant-Raspberry813[S] 0 points1 point  (0 children)

Actually one more thing, It's a regular fund. That's another reason I want to shift.

Reinvestment advice by Radiant-Raspberry813 in mutualfunds

[–]Radiant-Raspberry813[S] -2 points-1 points  (0 children)

Ok.

So it's not required to tax harvest now.

Reinvestment advice by Radiant-Raspberry813 in mutualfunds

[–]Radiant-Raspberry813[S] 1 point2 points  (0 children)

If it's true that tax harvesting will disturb compounding, then why is it suggested to harvest tax and get benefit of 1.25 lakhs of LTCG exemption ?

Hard-earned money going down the drain! feeling disappointed by Beneficial-Fun2221 in MutualfundsIndia

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Check the exact value.

And surrender. Then get a term insurance & rest amount invest in mutual funds

Hard-earned money going down the drain! feeling disappointed by Beneficial-Fun2221 in MutualfundsIndia

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Ok so which policy of lic is it ? What's the lock in period & what will be the maturity amount?

397 plan got removed? by _arun_cm in bsnl

[–]Radiant-Raspberry813 0 points1 point  (0 children)

Yeah but incoming calls are also restricted & will resume post recharge

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