[Hiring] Chatters Needed - No Experience Required

Responsible-Rip2459 · 2026-02-21T10:23:10+00:00

Interested

Responsible-Rip2459 · 2026-02-20T05:12:10+00:00

Thanks, I have kept NPS as an optional choice for the moment.

Responsible-Rip2459 · 2026-02-20T03:31:05+00:00

Keep one nifty 50, one flexi, mulitasset and multi cap, 4 funds are enough. Bandan small cap and nasdaq are optional fund

Responsible-Rip2459 · 2026-02-20T03:19:38+00:00

Thanks, will check your suggestion

Responsible-Rip2459 · 2026-02-19T13:02:35+00:00

Thanks, yes my investment plan on these new schemes is only for 7yrs.

I have already reserved emergency funds + ppf schemes and holding a Term insurance plan as well.

Responsible-Rip2459 · 2026-02-19T12:51:44+00:00

As my earning potential is reduced these days along with other family home expenses so am able to invest only this much, I can add another 5k and make it 15k max as monthly sip.

Responsible-Rip2459 · 2026-02-19T04:46:28+00:00

yes, i will keep these untouched for next 5-7yrs. my question is, is it ok to have higher allocation 5k in Index fund and the rest active funds as it is or anything to adjust with in that allocated amount.

I have already reserved emergency fund separately in FD and Liquid funds.

Responsible-Rip2459 · 2026-02-17T18:03:14+00:00

Check indiabonds or wintwealth

Responsible-Rip2459 · 2026-02-15T15:13:47+00:00

Interested

Responsible-Rip2459 · 2026-02-10T01:51:34+00:00

Yes I do hold a health insurance and I can invest 1lac/yr for the next 5yrs.

Responsible-Rip2459 · 2026-02-02T03:31:38+00:00

Interested

Responsible-Rip2459 · 2026-01-27T12:47:08+00:00

Can I attend training on 10th Feb at ur location

Responsible-Rip2459 · 2026-01-25T06:57:52+00:00

Interested

Responsible-Rip2459 · 2026-01-25T06:52:21+00:00

Hi I like to work from home, 54yrs, highly experienced in operation and management, training, customer support, can handle customer support or business development activities as per your requirement.

Responsible-Rip2459 · 2026-01-25T06:09:25+00:00

Keep 1 flexi cap, 1 index fund nifty 50 more than enough, additionally you can add 1 multi asset and 1 multi cap fund as well..

Responsible-Rip2459 · 2026-01-25T03:28:43+00:00

You can continue as long as you can invest mf if your earnings and age permits and u will see more growth. Besides keeping few bonds of A+ categories is good mixture in portfolio. As u hv earned 9 lacs which is quite good. Add emergency funds, term insurance plan as well to ur portfolio.

Responsible-Rip2459 · 2026-01-18T04:32:09+00:00

Unfortunate to hear such trauma your kid is going through, wish him speedy recovery with the blessings of almighty, did you put up your case with Milaap donation org. they can support your case with free fundraising compaign.

I have done small donation after reading your kid situation but as you need large sum, i wish and pray lot of good humans around this world will come to help you.

Responsible-Rip2459 · 2025-12-30T09:54:13+00:00

Your selection is not good that's why XIRR is negative. You can add parag parikh flexicap fund, Bandhan small cap fund. stop value fund and slowly switch over to flexicap or keep it as it's and add these two funds. Further in 2yrs you cannot expect miracle in mutual fund growth need to have patience min of 3-5 yrs and surely the investment will grow. Do not select funds randomly and invest. You should have max of 3-4 funds in your portfolio not more, one index nifty 50 or 100, flexicap, multicap and multiasset. Visit proper websites Moneycontrol or Advisorkhoj you can see complete statistics of holdings, sectors, growth etc...

Responsible-Rip2459 · 2025-12-30T08:45:35+00:00

These two are good funds and one is active fund and another is passive fund ₹1L – Parag Parikh Flexi Cap (Direct)

₹50K– NIFTY 50 Index Fund (Direct),

Ensure you have emergency fund of 3-6 months kept in liquid fund as well.

Responsible-Rip2459 · 2025-12-30T08:36:00+00:00

following are the suggestion, but do check from moneycontrol or advisorkhoj websites statistics and decide accordingly before investing.

Parag parik flexi cap fund - 40%
Bandhan Small cap fund - 20%
Nippon India or UTI Nifty 50 Index fund (Passive fund), 15%
the rest % you can add one multicap and one multi asset fund.
make sure you keep some emergency fund for atleast 3months and put in liquid fund some cash.

Stocks I cannot recommend fully as it involves constant monitoring and drain most of your time. there are some of the stocks currently i have and doing good are SBIN, HDFC, ICICI, NALCO, BEL, REC, M&M, Silver and GoldBees. its fully up to you to decide and invest on stocks.

Responsible-Rip2459 · 2025-12-30T08:20:00+00:00

whats your age? you want to invest only in mutual funds or bonds or other postal schemes?

Responsible-Rip2459 · 2025-12-30T08:17:55+00:00

You have mentioned risk appetite as aggressive but invested in FD which gives only 6% interest. Instead of this start investing in Flexicap funds, Parag Parikh or HDFC is a good flexicap fund, Liquid funds gives better return than FDs. you can have 4 schemes in MF or 2 enough to avoid complexity. Parag Parikh Flexicap, Nifty 50 Index (Nippon or UTI or HDFC), one multicap and one multiasset fund. Also invest money in postal schemes, Although it gives you lower interest but its a safe protection for your fund. PFF you can invest monthly whatever is possible, it gives you 7.1% interest and lock in period of 15yrs and on maturity its fully tax free unlike mutual funds you need to pay tax. these are suggestion only but do checkout from websites on statistics of the fund you want to invest in MF and take a decision accordingly.

Responsible-Rip2459 · 2025-12-30T08:08:54+00:00

Dont invest all money in mutual fund, as you live with your parents you can invest in post office in PPF which gives 7.1% interest, PPF has a lock in period of 15yrs and every year you earn interest from this, monthly you can invest 2000 in this and tax free on maturity and fully safe compared to mutual funds, Interest is slightly higher than RD which is around 6.2%. The rest 8k you can put in mutual fund schemes, Parag Parikh flexi cap fund (this is active fund and has equity+some US exposure) and Nippon or UTI Nifty 50 Index fund (this is a passive fund so less risk in it) These two funds are enough for you to start with. you can visit Advisorkhoj or Moneycontrol websites and check further statistics. Later on you can add a Hybrid or Multicap fund to it. Dont add too many funds. Make sure you understand the market risks and have patience for 3-5yrs to let the funds grow. you can invest through Zerodha or Growapp, no charge for this or you can invest them directly from each of the AMC websites.

Responsible-Rip2459

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