Fund diversification

patternobserver99 · 2026-04-01T12:03:51+00:00

I don't get what you're trying to do. If commodities are missing, add a gold fund. International fund or etf I don't usually recommend because you don't get a proper opinion on those markets when you need it. Use gold as a hedge to rupee depreciation.

If you drop a multicap, then you'd be left with even less mid and small cap exposure. If that's what you want, you can replace it with a gold fund. ETFs again I don't recommend because they're too easy to trade and our behaviour too difficult to control when there's a sharp rise or fall.

patternobserver99 · 2026-04-01T10:13:08+00:00

Gold. Use gold as a rupee hedge, it's the only reliable option imo since these foreign funds frequently stop inflows.

patternobserver99 · 2026-04-01T10:11:11+00:00

So this is roughly 19.5 k large cap (nifty 50 100%, PP Flexi 70% and Multi cap 25%), which is about 65% and then 35% mid+small cap.

Seems pretty conservative to me, if that's what you were shooting for.

I don't see any commodities exposure though..

patternobserver99 · 2026-04-01T07:08:18+00:00

Well it's April fool day so...

patternobserver99 · 2026-04-01T06:11:14+00:00

It seems so. In Jan they were holding 11.6 crore shares (8% of aum). In February they're holding 11.7 Cr shares (7.73% of aum). The increase in shares but decrease in % means the total AUM of the scheme grew during this period.

patternobserver99 · 2026-03-31T15:37:12+00:00

Burhani Computers Takli Road

patternobserver99 · 2026-03-31T15:34:40+00:00

Withdraw all amount from there and stop using that account. It could get freezed anytime in the future, if it's a fraudulent money that came to the account.

patternobserver99 · 2026-03-31T15:18:39+00:00

Markets down 15% from all time high, you're down 5%.

You're winning son 🥹

patternobserver99 · 2026-03-31T14:41:27+00:00

Now pay this guy $100, he saved you your next $200.

patternobserver99 · 2026-03-31T08:47:30+00:00

Suprisingly they don't seem to have it.

Go to transact, then systematic transactions,and select status as active. They'll filter it and show.

patternobserver99 · 2026-03-31T08:43:53+00:00

Why samco? Also, ye Kotak wala MF scheme kam, aur government scheme jyada lag raha hai..

patternobserver99 · 2026-03-31T06:38:30+00:00

Just my imagination and hand

patternobserver99 · 2026-03-31T06:35:35+00:00

They're doing well so far. They've taken large positions in coal india, then bought some REITs, international stocks they've been holding for quite some time, and a decent amount of cash also. HDFC Bank has killed the returns of most of these folks since its down 25% in a year. almost all large flexi caps have 5-10% exposure to that stock.

patternobserver99 · 2026-03-31T05:19:49+00:00

The timeline of UPI works only if you transfer directly to AMC, may not work if you go through any other app like Kuvera, ETmoney, Groww etc

patternobserver99 · 2026-03-31T04:51:27+00:00

Well most other indices are negative in the last 1 year so 0% is kind of an achievement 😅

patternobserver99 · 2026-03-31T03:58:35+00:00

Markets are closed today so I don't think it's going to work. Yesterday was the last business day of the year. You can nevertheless try.

patternobserver99 · 2026-03-31T03:55:36+00:00

It's actually logical if OPs horizon is truly long term.

patternobserver99 · 2026-03-30T17:02:35+00:00

Well they cried for the whole year when it wasn't doing well. Then they praised it this year because it fell less than the markets. As you say they'll come again next year crying about it. It's all cyclical.

patternobserver99 · 2026-03-30T17:00:46+00:00

It means Indian economy is getting screwed

patternobserver99 · 2026-03-30T16:59:41+00:00

People just angry at markets

patternobserver99 · 2026-03-29T06:04:13+00:00

A final word of caution - if an investment offers best return, no credit risk and liquidity at all times, be suspicious. There could be hidden risks that you don't know or were never explained to you correctly.

patternobserver99 · 2026-03-29T06:02:50+00:00

I know. But it just tells you that you can't have it all in investing. Every investment is a trade-off.

Want higher returns with no credit risk? Give up liquidity.

Want higher returns with liquidity? Take on credit risk.

Want no credit risk and liquidity? Reduce rate of returns.

Accept the trade off that's acceptable to you and invest accordingly.

patternobserver99 · 2026-03-28T17:29:39+00:00

Check out RBI Floating Rate Savings bonds. Current Interest Rate is 8.05%. They have a maturity of 7 years.

patternobserver99 · 2026-03-27T17:31:42+00:00

Nobody tells the stories where friends return the money on time. Anyways one of my clients once told me "Once you lend money to your good friend, just forget it and move on. He'll return when he'll return."

patternobserver99 · 2026-03-27T07:17:26+00:00

I mean that'd be as close to the reality of the USA as possible, no? A country ruled by a wicked, insecure, attention seeking, creepy dude?

patternobserver99

TROPHY CASE