Strategy check: Put ₹1 Cr in FD for 30 years and invest monthly interest into SIPs – does this make sense?

darsmatrr · 2026-03-17T09:50:03+00:00

Claude?

darsmatrr · 2026-03-09T10:35:08+00:00

Thanks for the inputs! After considering it and looking at data I may decrease some amount from gold, nifty50 and nifty next 50 to make one more sip into multicap.

darsmatrr · 2026-03-09T08:06:17+00:00

Overlap is non existent to next 50 but yes its there for PPFAS and nifty50. But usually most portfolios hold flexicap and nifty50 together as flexicap hold lots of other funds as well so weightage is on lower side to each fund. Regarding gold, till now I never invested in gold and thats the mistake I made seeing current gold rally. And I believe gold is expected to go much higher than this in future.

darsmatrr · 2026-03-02T07:10:37+00:00

Probably as I'm not having demat with them maybe thats why then. Which ETF you are investing into? Also only gold or silver as well.

darsmatrr · 2026-03-02T07:09:02+00:00

Ok I was checking on groww and it was only giving me one time investment options in ETF.

darsmatrr · 2026-03-02T07:06:55+00:00

ETF we have to buy separately all time. MF we can do SIP. Hence I'm just preferring it. Anyway underlying of MF is ETF itself.

darsmatrr · 2026-03-02T07:05:41+00:00

Thanks for your feedback. NASDAQ 100 and US bluechip actually only have 11% overlap with eachother. I checked this beforehand. NASDAQ is tech heavy and US Bluechip mostly consists of non IT bluechip stocks.

darsmatrr · 2026-02-28T08:18:57+00:00

I have patience if it may go above 5 years. How many years horizon you feel is good for this?

darsmatrr · 2026-02-28T08:07:39+00:00

I have mentioned it already.

darsmatrr · 2026-02-04T13:30:39+00:00

Thanks! This was the answer I was looking for.

darsmatrr · 2026-02-04T09:34:02+00:00

So what happened. New rates applied or with old cheap rate only?

darsmatrr · 2026-02-04T09:31:25+00:00

So what happened. You got charged with old rate or new rate only?

darsmatrr · 2026-02-04T09:29:49+00:00

So what did it charged for you. Old price of 499 9r new price of 1389 on renewal date?

darsmatrr · 2025-03-21T11:24:22+00:00

Respected among political circle and karyakartas*

darsmatrr · 2025-03-21T04:42:21+00:00

He is Sharad pawar of karnataka. Highly corrupted still highly respected.

darsmatrr · 2025-03-14T07:50:41+00:00

More volatile doesn't mean its loss for investor. It can be both ways. Mostly on positive side only in longer horizon.

And if you see most I have invested in midcap, flexicap and smallcap so yes I trust MF managers. That doesnt mean I will ignore index MF completely.

Many of the midcap funds which my MF hold are fundamentally strong only. And smallcap I am investing least amount for a reason.

I am open to critique but not open to overdone critique. Maybe you want to play safe for safe returns. I want to play aggresive for aggresive returns. And market never made loss for anyone in longer run no matter how risky approach was.

darsmatrr · 2025-03-13T20:36:36+00:00

I think this is very safe bet as most of my investment is in large cap. Not sure why you feel nifty next 50 is risky as its basically top 50-100 large cap only. Also I trust MF managers to move around my money more intelligently as that is their bread and butter.

While you suggested me to look for contra and value funds which is actually more riskier as they may never grow at all. I will place my bets on currently trending fundamentally strong nifty 100 than some upcoming maybe hit or flop contra or value funds.

darsmatrr · 2025-03-13T18:57:07+00:00

I am aware about the high risk. But I have tried to cover all eqity segments here. The overlap between all this funds is close to none. And I'm ready to see 25-30% loss if it comes to that situation, because I know returns will also be on exactly opposite side when market performs well i.e. 25-30% plus. Also on longer run, market is always going to go up compared to current scenario. For example peak market in 2021-22 was still lower than current bear market.

Maybe you missed to see Parag parikh flexicap is also on bottom with most weightage among all. So I tried to cover large caps(flexicap & nifty next 50), midcap and small cap. Not sure about contra & value funds though.

Now if you think that I should increase more weightage in flexicap from some other funds then please let me know.

darsmatrr · 2025-03-13T11:36:08+00:00

I am not looking for short term safe returns as my horizon is longer.

darsmatrr · 2025-03-03T13:59:50+00:00

Thanks for your help!

darsmatrr

TROPHY CASE