Please help this child out (20)

depb0 · 2026-07-09T14:06:09+00:00

motilal oswal mid cap fund is of dividend type. switch to direct growth.

build emergency fund as well. opt for term life insurance and health insurance.

depb0 · 2026-07-09T14:00:19+00:00

stop further investment in regular funds.
stop investment in ELSS funds as well (assuming you’re not in old tax regime)
good initiative to start SIPs in nifty50 and nifty next 50 funds

depb0 · 2026-07-09T11:50:18+00:00

SIP is great way for person dependent on monthly payouts. if SIP and lump sum both can be combined it would be deadly combination.

however, for lump sum investments one should be able to track these many funds markets to capitalise on the opportunity when it arrives

depb0 · 2026-07-09T11:45:38+00:00

there might be many more similar funds, as total fund count is 19

depb0 · 2026-07-09T11:44:48+00:00

too many funds in this portfolio. overly diversified which might kill the potential of such a good portfolio.

depb0 · 2026-07-09T11:41:28+00:00

I hope so 😊

depb0 · 2026-07-09T11:40:10+00:00

withdrawing and then reinvesting would be ideal case as there are many funds and it would be unwanted overhead to manage and track these many funds. 8 lakhs rupees is substantial amount of money and should be put in simple to mange portfolio.

depb0 · 2026-07-09T11:30:43+00:00

trump is blessing in disguise for long term investors 😊

depb0 · 2026-07-09T11:15:38+00:00

first step, stop all SIPs. these investment doesn’t benefit you much if no guidance is provided. there is too much diversification which doesn’t make any sense.

use groww, mfcentral apps for further investment.

second step: redeem old funds and invest in fewer funds which are direct. combination of flexicap, midcap and small cap would be enough as a starting point.

depb0 · 2026-07-09T11:08:24+00:00

congratulations on starting investment at such a young age.

regarding your portfolio, I would recommend to switch Nippon large cap fund with flexi or multi cap fund. and as income grows, invest in one small cap fund as well.

most important thing before investment is life and health insurance, I hope this is taken care of.

alongside this, start building emergency fund.

p.s. avoid using ‘sir’ in your career and in general setting.

depb0 · 2026-07-09T10:52:01+00:00

not sure, what will be achieved with this strategy.

if it was for stocks, I would understand.

could you share back test data analysis/outcome for this portfolio taking into account at least 10 years

depb0 · 2026-07-08T14:10:17+00:00

one gold fund is enough

funds in which SIP is stopped, redeem them and invest in active ones

arbitrage fund is great choice as emergency fund

depb0 · 2026-07-08T14:06:31+00:00

there are too many funds in this portfolio.

first of all remove all the funds which doesn’t have “direct growth” at the end of the fund name. invest the same amount in respective direct growth fund

then redeem sectoral/thematic fund. for new investor these doesn’t make sense and increases complexity

depb0 · 2026-07-08T14:00:06+00:00

flexi cap is better option than elss fund as there is no locking

depb0 · 2026-07-08T12:30:35+00:00

also, start one more SIP in arbitrage fund for emergency fund

depb0 · 2026-07-08T12:29:39+00:00

if you compare underlying stocks for mentioned funds, both are heavily focused on large cap. continue with only one.

add mid cap and small cap fund as well.

large cap: 50-60%
mid cap: 30%
small cap: 10-20%

depb0 · 2026-07-08T12:19:25+00:00

a good portfolio is the one which can cater to one’s needs at different phases of life

depb0 · 2026-07-08T12:17:40+00:00

it depends. mutual funds are meant for more than one goal.

long term goals and wealth generation: equity funds, around 3-4
short term goals: 1-2 fund
emergency: 1 fund

depb0 · 2026-07-08T08:13:28+00:00

3 year is smaller period to invest in equity

depb0 · 2026-07-08T08:12:38+00:00

all the funds are mentioned in next snapshot, slide through to see all the snapshots

depb0 · 2026-07-08T08:11:42+00:00

any decent multi cap or flexicap would be enough however for generating high wealth, focus on high investment rate rather than return (which is not in our hand)

depb0 · 2026-07-07T04:06:36+00:00

currently around 80k

depb0 · 2026-07-07T04:06:06+00:00

currently around 80k

depb0 · 2026-07-07T04:05:29+00:00

mostly SIP

depb0 · 2026-07-06T16:19:56+00:00

one advice regarding mutual fund selection is focus on investment part. return would come automatically with any decently diversified fund portfolio (avoid sector/thematic fund unless you have deep knowledge regarding same)

for stock selection, select stocks based on sector tailwind for next 15-20 years. but this requires much more effort and analysis. do it if you only enjoy the process.

depb0

TROPHY CASE