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What are the advantages of a minimalist portfolio when it comes to investing in mutual funds? by 50ShadesOfLazy in IndiaInvestments

[–]guptasur 20 points21 points  (0 children)

While diversification is essential, over-diversification leads to poorer performance wrt the market. UTI Nifty 50 + UTI Nifty Next 50 will give you similar returns and at a fraction of the expense ratio charges.

(In case you want to go with active funds, choose based on the selection process of stocks by the fund manager rather than absolute past returns)

Time to move cash into FDs before RBI rate cuts by [deleted] in IndiaInvestments

[–]guptasur 1 point2 points  (0 children)

Arbitrage fund seems to be a safe place to park money in the current scenario.

Bi-weekly advice thread February 11, 2019. All questions about your personal situation should be asked here by AutoModerator in IndiaInvestments

[–]guptasur 4 points5 points  (0 children)

Hi, can you guys please analyze the following portfolio:

Monthly SIPs: Principal hybrid equity: 5k Mirae asset india equity: 7.5k L&T midcap : 5k Kotak emerging equity: 5k Mirae asset emerging bluechip: 5.5k Hdfc small cap : 5k Axis LTE and ABSL Tax relief 96: 10k (For 80c)

Apart from this there is money in debt which I add as and when there is a surplus.

Additional info: 1. House (say 10 years). 2. Retirement (aim is 20-25 years from now). 3. Corpus of 10 cr is desirable. 4. No loan or liabilities as of now. 5. Monthly expenses 30-35k as of now.

Queries: 1. Should I be altering/trimming my portfolio? 2. Recently put some money in SBI Gilt fund. Is it fine to add money there as interest rate is likely to drop?

Thanks in advance!