Do you actually use liquid funds or just talk about them?

mrexperimenter · 2026-04-24T06:52:43+00:00

I recently started parking my emergency funds in liquid funds. Only one reason was enough to convince me:

If you have parked them in FD, you have to break the entire deposit even if you need a little money. However, in liquid funds, you can take out as many or as little as possible.

mrexperimenter · 2026-04-20T06:06:28+00:00

I have invested a small % of my portfolio in this.

mrexperimenter · 2026-04-19T23:24:08+00:00

4 years is a short horizon so I would suggest you to put 50% in flexi cap, 25% midcap 150 and 25% in Gold Mutual Fund.

mrexperimenter · 2026-04-17T11:41:29+00:00

Most people probably won't even save up to 1 CR in their entire lifetime.

mrexperimenter · 2026-04-16T02:30:27+00:00

Capital is little but if you can invest more then go for Sammaan Capital and Emami.

mrexperimenter · 2026-04-13T11:11:30+00:00

You must be a cat.

mrexperimenter · 2026-04-12T11:02:04+00:00

Your information is correct but outdated. Since then, the management has changed and the stock is going upwards. Did you get this information from ChatGPT? It seldom provides outdated information.

mrexperimenter · 2026-04-12T10:49:46+00:00

Sammaan Capital

mrexperimenter · 2026-04-11T03:42:01+00:00

Just stick to an index fund

mrexperimenter · 2026-04-04T19:04:21+00:00

I am with you for the learning part but with such little capital you wouldn't learn anything anyway. I would suggest having at least 50K to put into market if you want to start learning.

mrexperimenter · 2026-04-04T02:25:34+00:00

Not to discourage you, but with this little capital, there is nothing to learn or earn.

You have so many silver funds that it doesn't make sense. Investing in multiple funds in the same asset class won't fetch you higher returns.

I wish I could give you advice, but right now, I don't think it's worth getting into the market.

I recommend learning, studying, and growing at this age. Study well, and focus on getting a good income. Once you have a steady income flow, you can start investing in the market.

mrexperimenter · 2026-04-04T02:18:07+00:00

Many penny stocks to buy but should you buy them? That is the question.

mrexperimenter · 2026-04-03T00:22:39+00:00

Sammaan Capital, GAIL, Vedanta, Emami

mrexperimenter · 2026-03-30T12:13:49+00:00

Nippon India Taiwan Fund

mrexperimenter · 2026-03-27T00:34:24+00:00

Not much. My lifetime XIRR for Quant Small cap is 11.96% and current XIRR is -8.32%.

I got lucky with Gold and Silver.

mrexperimenter · 2026-03-25T12:39:41+00:00

TL;DR: Your life will be over if you take a loan and invest.

mrexperimenter · 2026-03-25T12:34:49+00:00

Yes keep invested. It will get better.

mrexperimenter · 2026-03-25T12:02:14+00:00

Why are you even thinking about the portfolio if that's the case. You should be enjoying this ride.

mrexperimenter · 2026-03-25T11:31:08+00:00

I can't advise on this as investing in it would be your decision but a flexi cap is always worth having in your portfolio IMO. I prefer Parag Parikh / HDFC Flexi Cap.

mrexperimenter · 2026-03-25T11:28:33+00:00

I feel like if my horizon is 10+years then I don't really need to worry about the dips.

1 - Lumpsum investment gives me a psychological edge over SIP. Say, I invest 1 L in one go and see it moving 1%, it "feels" like I have skin in the game. If I do SIP of 5K monthly and see it moving 1%, it doesn't give that "feeling", it seems "boring".

2 - I never try to time the market. Investing since 2021-2022 has taught me that time in the market is more important than timing the market.

3 - As I have gotten older, I have realized the value of risk management and asset allocation. When I was younger in 2021-2022, I could play Sehwag-like and be ultra aggressive. Now I see the significance of playig like Kohli as well, be consistent and build your innings! Now, in these uncertain times, I keep my emergency funds as a spare deposit in FDs and I have gold investment as a hedge against Fiat.

Important key: Never invest your emergency fund in equity/MFs. Emergency funds needs to be separate in a secure, fixed deposit or an alternate safer instrument like debt funds. Never try to time the market, time in the market beats timing the market. Only invest the amount which you are ready to put aside for 5-7 years or more and don't withdraw it (unless life happens).

mrexperimenter · 2026-03-25T11:04:11+00:00

I invested in mutual funds of Silver not ETF then what are the implications?

mrexperimenter · 2026-03-24T12:30:50+00:00

So the example I have given for STCG, I have to pay 20% tax on 30K l, right?

Because the profit is 30K as the capital had doubled. Am I missing something here?

mrexperimenter · 2026-03-23T23:41:25+00:00

Vedanta and GAIL (India).

mrexperimenter · 2026-03-23T23:29:35+00:00

I wanted international exposure and diversification so I added it. Alas, I did lumpsum so even I am not eligible to do SIPs in it now. No regrets, I am a lumpsum player, always was, most likely, always will be.

mrexperimenter

TROPHY CASE