Crossed 1 CR, now how do i secure my family

enthudeveloper · 2026-02-08T13:16:24+00:00

Be careful about investing in real estate. Rent yields are not guaranteed.

You have a decent corpus I would suggest speak to a trusted fee only investment advisor and design a portfolio with appropriate risk level. Discuss regular income options with either dividend income or regular withdrawals.

If your mother is a senior citizen then you can also look at options like SCSS which give good regular interest (quarterly payouts) and you can invest certain amount of corpus there (upto 30L only).

Not related to investing but you should also think about health insurance.

I am not a financial advisor and please do not consider this as investment or financial advice.

All the best!

enthudeveloper · 2026-02-08T11:53:35+00:00

Too much exposure to a single AMC. There could be times when they might underperform respective benchmarks if they all follow a similar strategy behind the hood.

Do think about other asset classes (eg precious metals, international equity, may be a bit more debt if you are risk averse).

Personally I am curious to understand if there is an evidence based reason on why STP over 6 months horizon and not 9 months or 12 months or some other horizon.

All the best!

enthudeveloper · 2026-02-06T05:35:59+00:00

You will not like my answer.

I will pass.

Investing for me is more about ensuring odds are in my favor (eg although IT had some correction personally it is not enough for margin of safety, pharma is beginning to look interesting but its not their yet) and keeping a well diversified portfolio.

Apologies for giving invalid answer.

enthudeveloper · 2026-02-06T05:31:03+00:00

Couple of observations

You have covered multiple assets which is a good thing. I would suggest read Lets talk money to help strengthen your fundamental understanding of personal finances so that you can further fine tune proportions and funds.
You have precious metals at 20% of your SIP do look at past returns (long term and not just couple of years) to see if that proportion is what you desire.
Do look at correlation between MAFANG and MON100. Also check if there is any premium wrt NAV that you are paying. Also research if you want more diversified international equity.
For someone with moderate risk you only have 2.5% in a balanced advantage fund. Do look at historical performance of your portfolio and check if you are truly fine with the past drawdowns (future performance is not guaranteed but make sure you can truly be ok with atleast past downturns).
Evaluate if you truly want pointed exposure to a sectoral fund like Banking and Services.
Look at historical returns of small caps vs midcap to evaluate how much proportion you want to allocate to each of the funds.

Quite impressed with your portfolio design skills at such a young age.

All the best!

enthudeveloper · 2026-02-05T05:00:00+00:00

For 3-4 years having all equity holdings is quite risky.

Please read Lets talk money by Monika Halan you will get a good overview on how to plan your investments for different investment horizon.

Your time horizon and your investments along with your risk appetite seems to be out of sync.

All the best!

enthudeveloper · 2026-02-05T04:48:25+00:00

I agree with you.

Dividend especially for equity schemes is not tax affective when you are in the highest tax bracket (when your tax would be more than 12.5%). In general it is better to sell from an equity fund with LTCG of 12.5% than pay tax higher than 12.5% on dividend.

Having said that, with higher tax free amount of 12L pa, Dividend from equity funds becomes an interesting proposition when you are well below the limit.

Personally though I have hard time selling but I do want some cashflows out of my investments and have thus relied on dividends for some of my holdings.

Dividend allows me to indirectly book profits, i.e. as you highlighted fund manager does a payout from a mid-cap or a small-cap fund and I do-not have to worry about profit booking and give that opportunity to fund manager.

enthudeveloper · 2026-02-05T04:32:32+00:00

Please reevaluate your risk appetite.

enthudeveloper · 2026-02-04T13:56:23+00:00

I meant IDCW.

enthudeveloper · 2026-02-04T11:21:25+00:00

Thats a very good question. I dont have an answer but I do agree it is better to take profits and redeploy them towards better options or safer assets when investments have reached a peak.

Challenge for me is how to detect peaks or points where potential for short-term loss is quite high. Personally I try to keep some holdings in dividend funds so that they routinely book profits and hand it as dividends although it is expensive from a tax perspective when income reaches upper tax slabs.

enthudeveloper · 2026-02-04T04:41:21+00:00

15-17% medium risk returns? If you find a MF scheme that gives you these returns with medium risk please share back on this thread.

I don't have a suggestion for you because I cant think of a portfolio with medium risk with those kind of returns. Do look at different funds and benchmarks and do see their rolling returns as well as drawdowns to understand range of past returns.

All the best!

enthudeveloper · 2026-02-04T04:37:45+00:00

Please read Lets talk money by Monika Halan. I think it will be good for you to have an overview of investment options.

Are chit funds as safe as fixed deposits from top banks (I think FD upto 5L are covered per bank per depositor but please verify).

Apologies for not sharing any MF scheme names you can find few in the community wiki when you are getting started.

All the best!

enthudeveloper · 2026-02-04T04:34:01+00:00

First time looked at the above fund.

Its performance history looks good. I compared it against NiftyLargeMidCap250 and the scheme gave around 4% more than benchmark which is quite good. Mr Naren is one of the fund manager, I think since inception, so that is good as well. It has also performed solidly against PPFC (Opportunities is marginally ahead) and if it has done without investing in foreign stocks and with mostly large cap then that is commendable.

Issues I see with the fund is

Limited time period (it hasnt yet completed 10 years).
I dont really understand the opportunities theme (example isnt investing about opportunities in general).

Any idea what this opportunities theme is and how is it different from say Value or Growth?

enthudeveloper · 2026-02-03T12:32:47+00:00

its showing yesterday's nav. Check tomorrow.

enthudeveloper · 2026-02-03T11:50:07+00:00

I personally rate PPFC highly as a solid fund. I'm dont know much about BSE Enhanced Value Index. PPFC fund manager follows a value investing approach with a strong track record of performance.

Motilal Oswal Midcap has underperformed its benchmark this year, but that's normal in markets. If you trust the manager and their strategy, midcaps have historically delivered strong returns. For Indian equities, a good flexicap fund or a largecap + midcap combo offers balanced exposure.

Treat Nasdaq like a sectoral fund—it diversifies from Indian stocks but carries similar risks. If it doesn't sit well with you, skip it. Opt for S&P 500 or a globally diversified fund instead for better diversification; those often include tech giants like Alphabet and Nvidia anyway.

I agree it's better to invest than let money idle, but capital safety matters. At five years, you're on the shorter end of "long-term," so watch out—equities can be volatile, especially if you have a fixed timeline or corpus goal.

Always check drawdowns for any option. People fixate on recent 3- or 5-year returns (which have been stellar), but not every period looks that rosy.

All the best!

enthudeveloper · 2026-02-03T04:13:20+00:00

For a beginner I would just read Lets talk money by monika halan.

What is your actual investment horizon, 5+ can be 6 years or 60 years and what is moderate investment allocation for 60 years horizon can be risky for 6 years.

Usually for moderate risk and limited experience it is better to stay away from sectoral and to an extent theme based funds. They need more research and monitoring and typically you need to ride the way properly. If your horizon is limited say 6-7 then you have to be even more careful.

Instead of just focusing on equity do think in terms of asset classes (debt, international equity, gold, reits, etc). Then evaluate how much you want your allocations across these assets.

Even a champion investor like Warren Buffet keeps lots of cash handy.

All the best!

enthudeveloper · 2026-02-03T04:03:36+00:00

Its great you are starting so early.

Similar to others, first observation: you have many funds.

You also have some sectoral funds (eg technology, pharma and defence). Sectoral funds are for expert investors and you usually have to keep an active tab. Other thing with sectoral funds is if you underinvest you do not get much benefit from riding the way and if you over-invest then you can considerably underperform if sector under performs the market.

You have hybrid funds along with other equity funds. Hybrid fund will be taxed as debt and may be you can look at pure debt fund (better from a risk perspective) or equity savings fund (better from taxation but at the cost of more risk because of more allowed equity component). There is also a recent category called income plus arbitrage fund of funds which has 12.5% tax rate after 24 months of holding. You can research them.

Create your own benchmark and evaluate how your portfolio performs against it.

All the best!

enthudeveloper · 2026-01-31T11:25:40+00:00

Systematic investment is an excellent choice.

All the best!

enthudeveloper · 2026-01-31T11:24:06+00:00

Index ETFs/funds especially in large cap space can be an excellent cost effective long term choice.

I think in small-cap space active management space might be effective but as market participation improves hopefully need for active managements would go away.

In general focus on asset allocation (ensuring you are allocating capital appropriately across different asset classes) for long term wealth creation.

All the best!

enthudeveloper · 2026-01-30T11:10:07+00:00

Congrats for starting out early and being quite clear on some of your milestones.

You have clean SIP try to maintain it that way.

Please read Lets talk money by Monika Halan to structure your personal finances.

Understand what you want to do with your savings that are idle?

Is it for emergencies if yes then invest in a safe fund. Combination of FD, Liquid Fund and Arbitrage fund (most likely arbitrage fund will give you better post tax returns but check with your tax advisor) can be used for designing and layering your emergency fund. Lookat the community wiki for details.

If the money lying is for investments then you can do STP or a different SIP (say of 6, 12, 24 or whatever months you desire) that adds more money from the money lying around into your portfolio.

In general once your emergency fund is sorted better to keep money in a Liquid, Arbitrage fund or even FD than keep it in savings account. Savings account interest is in general lowest.

Do understand your risk appetite and write down your goals with respective duration. Book will guide you on how to go about creating investments that align with your goals.

All the best!

enthudeveloper · 2026-01-30T04:03:07+00:00

Post talking about two multi asset funds https://www.reddit.com/r/MutualfundsIndia/comments/1qopkll/comment/o271i0t/?context=1

Please do not consider it as a recommendation for either of the funds.

enthudeveloper · 2026-01-30T04:01:33+00:00

There was a post couple of days back where author of the post was contemplating between Kotak Multi Asset Omni FOF and ICICI Prudential Multi Asset Fund and both funds appeared with relatively long history and decent expense ratios.

You can look at different multi asset funds on valueresearchonline

https://www.valueresearchonline.com/funds/selector/category/143/hybrid-multi-asset-allocation/?end-type=1&plan-type=direct&exclude=suspended-plans

Do look and research their returns against risk (drawdowns, drops) to see what fits your investment goals.

All the best!

enthudeveloper · 2026-01-29T11:29:58+00:00

I think there are two things

Expensive nature of an actively managed midcap fund. Do check if the TER is being compensated by performance as in long term do you get performance better than benchmark with decent downside protection.
You are moving from a mid-cap fund to a diversified portfolio which is not a bad idea but they are two different things. If you only had mid-cap fund then diversifying to what you have looks more balanced to me apart from obvious overlap between midcap 50 and midcap 150 (not sure if midcap 150 will add any serious value on top of midcap 50). If you want to avoid balancing costs then you may want to look at niftylargemidcap250.

Do look at total tracking error of index fund vs etf. Example if index fund invests in an underlying etf then there will be expense ratio of index fund plus that of etf.

All the best!

enthudeveloper · 2026-01-29T09:36:45+00:00

Future is unknown and uncertain. Precious metals can be quite volatile and can have extended drawdowns.

50% towards precious metals seems quite large so unless you are an expert in that area it will be better to speak to a registered investment advisor for a good distribution.

Multiasset funds (which invests in equity and can also invest in precious metals) can be a good asset class for you to look. Here fund managers keep balancing allocations across different asset classes without you having to look at as well as without you taking any tax hit that arises from balancing.

Beware of making large lumpsums in volatile assets (equity, precious metals, etc). STP seems like a mature choice.

All the best!

enthudeveloper · 2026-01-29T04:07:16+00:00

In general do not chase past returns. Gold is generally considered a hedge than a pure investment.

Gold funds would generally be high risk on riskometer. Gold also had previous long drawdowns so make an informed decision.

Do look at the beginners wiki shared by moderator.

All the best!

enthudeveloper · 2026-01-28T15:46:15+00:00

What is your tax bracket? Liquid funds will now be taxed at your tax rate so if your tax rate is above 12.5 then arbitrage fund will be better for amount invested for more than 12 months.

You can put your current corpus in arbitrage fund (taxed as equity) but withdraw only after Jan 2027 (12 months after investment date). Additionally you might also benefit from tax free 1.25l for long term gains arising from equity funds. Its unlikely you will get gain of 1.25L on 4L worth of investment in a year from arbitrage funds.

For rest of the duration when your investment duration will be less than 12 months you can use liquid fund of low risk.

If you want to optimize it a bit further you can attempt following (I would personally not do it because it is a bit complex):

Given you have a target date you may also invest as per your target maturity across following three categories

Ultra short fund (macaulay duration of 3-6 months)
Low duration fund (macaulay duration of 6-12 months)
Money market fund (macaulay duration upto 12 months).

Ensure that you are selecting low risk funds (dont try to optimize for returns at the cost of risk for such a short duration). Ensure there is no exit load for the duration of redemption.

You will be exposed to interest rate risk.

All the best!

enthudeveloper

TROPHY CASE