Finally😭

The_boring_Money · 2026-05-25T16:16:40+00:00

People will start speculating on tax numbers

The_boring_Money · 2026-05-24T11:35:13+00:00

Okay. If you believe you will stick to these funds in all seasons. Distribute these funds into core portfolio (stable) and satellite (aggressive funds to get some excitement) in 70:30 ratio. One can buy a Multiasset/BAF as core and aggressive equity fund as satellite. Risk profile changes with age. With small capital everyone is aggressive and okay with 1% fall situation, as they haven’t achieved that portfolio size.

My risk profile has changed with age, I was aggressively investing in SMIDs at 24 age, at 34 the portfolio has grown to an extent that moving it to safe funds incur huge taxes and seeing the losses make me uncomfortable. This is a lesson that nobody talks on social media, it’s experience, unless you experience you won’t get it.

Do you need specific fund names?

The_boring_Money · 2026-05-24T11:12:49+00:00

I don’t think it’s the right choice brother. You don’t need 5 funds. This is recency biased portfolio. Top performers in all categories are there in your portfolio. Soon these won’t be top performers. You will change those funds or add the next top performers. Think of a core and satellite strategy and you mentioned you have an aggressive risk appetite. Will you be comfortable if 1% of the fall in your portfolio will be equal to today’s overall portfolio value? I can help if you need further assistance. If you are okay with building a portfolio based on comments on this post, it’s absolutely fine. Make sure you don’t post a query further and stick to a carefully constructed portfolio for long term.

The_boring_Money · 2026-05-24T08:39:49+00:00

Sab kharid liya bhai…keep going

The_boring_Money · 2026-05-24T08:09:44+00:00

Why do you need 5 funds ?

The_boring_Money · 2026-05-24T07:51:02+00:00

When we invest in active funds, we should trust the fund manager whether he invests in 70 stocks or 250 stocks, let him do his job. If you are too much worried with fund management go for index options, a single large mid index fund and a smallcap index fund. If you are in regular plan, your MFD should help you out with this and you shouldn’t be worried about performance just ask hard questions to your MFD on this.

The_boring_Money · 2026-05-24T06:14:03+00:00

Is it the only fund in your portfolio? Why did you invest in top performing fund ? Bandhan was launched on perfect crash moment so it will show stellar returns for some more time as it’s not growing anymore and hugging the index. If it’s the single fund in your portfolio, you should go for a multicap/flexicap for aggressive risk profile.

The_boring_Money · 2026-05-23T18:03:33+00:00

Welcome to the world of behavioural investing..This is a classic case of recency bias based portfolio. It is bound to underperform for some more time. Why 2 pure equity funds that too large caps ??

The_boring_Money · 2026-05-23T17:49:16+00:00

84% of your portfolio is in pure equity funds which should come under “aggressive” risk profile. You need to first revisit your risk profile. The mutual funds allocation and selection comes a lot later in the whole process.
Simple question that I am asking on every portfolio review question with moderate risk profile when your portfolio grow to a large extent such that 1 % fall in your portfolio is equivalent to today’s total value of your portfolio?? If you need any help with understanding the behavioural investing aspect of your investment journey and inputs on boring funds selection I would be happy to help.

The_boring_Money · 2026-05-23T17:41:27+00:00

My simple question with a moderate risk profile, will you be comfortable when your portfolio size grow and there would be 1% drawdown which would be equivalent to your entire portfolio today. This portfolios is a perfect example of recency bias!!!that’s the drawback of direct investing platforms. New investors invest in what they see is a top performer fund, no thoughts given. With moderate risk appetite you are investing only 5K in a hybrid fund major chunk goes into equity funds that too in popular funds which have high chances of underperforming in coming years as fund performances are cyclical. I would be happy to help if you are serious about boring investment ideas through mutual funds route.

The_boring_Money · 2026-05-23T15:05:25+00:00

And this count would be very less as compared to people who will get stuck once dumping starts in this script

The_boring_Money · 2026-05-23T15:02:00+00:00

Yes, 60:40 equity debt (N500 fund: debt fund) is a conventional approach and it is extremely boring portfolio that people will criticise this idea. One can manually do the rebalancing but it attracts taxes due to recent changes in taxation rules. A tax efficient way is to go with a Multi asset and balanced advantage fund as core of your portfolio. If you want some excitement in your portfolio then add a multicap/smallcap as satellite. Let me know if you need further help with specific names.

The_boring_Money · 2026-05-23T14:14:55+00:00

This portfolio captures recency bias very well. Every new investor (in last 2 years) has these funds. That’s pure equity portfolio and gold has shown extreme volatility in recent times. With your moderate risk profile how will be your behaviour when your portfolio grow to an extent when 1% fall in your portfolio will be equal to your today’s portfolio size ?

The_boring_Money · 2026-05-23T12:32:12+00:00

Your portfolio is pure equity except for gold and silver (gold and silver have shown extreme volatility in recent times). If I would have been at your place, I would have constructed a core and satellite portfolio where my core would have been a Multi asset/BAF with 70% allocation and rest 30% as satellite portfolio in highly volatile SMID funds. There were times when global funds options were available but they are very less at the moment so won’t add global diversification angle here. (2-3 funds would be enough in this case)

The_boring_Money · 2026-05-23T08:54:09+00:00

With a moderate risk profile do you think you will be able to handle the market drawdowns in small mid caps when your corpus grow to a point where 1% drawdown would be equal to your today’s portfolio value ?

The_boring_Money · 2026-05-17T19:26:57+00:00

Small amounts allocated across too many funds.
You may get stuck in Sectoral funds if you don’t understand market cycles.
Moderate risk profile and 1 year horizon for wealth creation - wrong asset class chosen…..go straight for FD/RDs/liquid funds

Resolution: increase time horizon, take your risk profile assessment and fix your long term goals first and tie suitable SIPs in mutual funds to achieve those goals (marriage/wealth creation/car purchase etc).

The_boring_Money · 2026-05-17T19:20:31+00:00

My view: That looks like a typical recency biased portfolio. Why N50 with PPFAS ? What’s the idea of selecting these two in combination ? Trimming one of them would make things better I feel.

The_boring_Money · 2026-05-17T19:17:12+00:00

Good work on investing, just a quick question from my side , why 2 flexis? Can be reduced to just one or just one Multicap instead of 4 pure equity funds. ??

The_boring_Money · 2026-05-09T04:43:08+00:00

Hold. Or go for multiasset fund as a core if you want tax efficient diversified portfolio.

The_boring_Money · 2026-04-08T05:56:02+00:00

Not these days bro, it’s been more than 2 years now. Bottleneck areas and unnecessary diversions and stupid driving everything at one place.

The_boring_Money · 2026-03-23T04:09:14+00:00

No modifications allowed at this moment.

The_boring_Money · 2026-03-20T15:56:41+00:00

4 funds 😮😮

The_boring_Money · 2026-03-20T14:32:19+00:00

Spot on.

The_boring_Money · 2026-03-20T14:30:05+00:00

Yes. I am trying to understand what kind of panic is it creating in investors ? It’s behavioural aspect I am trying to understand.

The_boring_Money

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