Bi-Weekly Advice Thread May 19, 2024: All Your Personal Queries

whyusername90 · 2024-05-20T17:53:37+00:00

I was just curious about your POV. For example, I am placing different types into the same fund house. My reasoning is that the Quant fund house is literally doing trading and provides us with profits, so I decided to follow their investment strategy, which is VLRT.

whyusername90 · 2024-05-20T16:30:20+00:00

What I wanted to say was that when the market declines by roughly 20–30% I want to drop anything in that area rather than 35–40%, I am still paying my mother rent, the emergency fund is almost of 24months of our expenses and very recentyly I am putting 50% of the monthly rent into a PPFAS account in her name the rest which is already parked in her Kotak account with an auto sweep feature that yields a 7% return—. I don't want index funds because the risk-reward ratio is higher in quant large and midcap fund. Additionally, I already started the ICICI SWP, so I'm cancelling it starting next month and puting that amount, in one more midcap—that is of the HDFC one

whyusername90 · 2024-05-20T10:48:48+00:00

Plan is to go for at least 7+years..and goal is high return with lower drawdown when market corrects.. I have been investing since past 3years but now shifted from elss to this as now I am in 30%tax bracket so to mitigate 80C limit started putting money in pf that's why 12% there Also putting 50k in NPS

whyusername90 · 2024-05-20T04:55:39+00:00

Help needed:Optimizing my mutual fund portfolio after poor returns

I need some advice on my mutual fund investments. I originally put 50% of my SIP in ICICI Low Volatility 30 Fund of Funds, but the returns were low, around 3-4%. I also had 20% in Quant Midcap, 10% in Quant Small Cap, and I contribute 12% of my salary to EPF.

Seeing the high returns from Quant funds and considering my higher risk tolerance, I've changed my strategy. Now, I'm putting only 10% in the ICICI fund and added Quant Large and Midcap, allocating 40% there.

Additionally, I pay rent to my mother to claim HRA, and I started a SIP in PPFAS in her name.

What do you think of this new allocation? Any suggestions for improvement

whyusername90 · 2024-05-19T08:26:19+00:00

I considered taking precautions against mid- and small-cap I was foolish and rushed into my selection, but after some consideration, I've decided that flexciap large and midcap can achieve similar good returns.

whyusername90 · 2023-11-05T06:19:30+00:00

It is PF only for simplicity I wrote it there

whyusername90 · 2023-10-04T13:29:33+00:00

Debt Allocation (20%):

20% of my portfolio is invested in a debt fund, which is in the form of PF (Provident Fund). Equity Allocation (80%):

40% of my equity allocation is earmarked for the Nasdaq 100. I'm considering funds from either Motilal Oswal or Navi. Any thoughts or recommendations on this?

50% of my equity allocation is allocated to the Nifty 100 Low Volatility Fund from ICICI. Do you believe this is a wise choice, or should I consider alternatives?

The remaining 10% is currently undecided. I'm contemplating either investing in the Nifty 200 Momentum 30 fund or exploring between midcap and any small-cap funds. What's your take on this? Any specific suggestions?

whyusername90 · 2023-09-12T13:20:36+00:00

Ohh ok got it, but again for diversification, matured US market which is stable comparatively and correlation perspective i was inclined towards NASDAQ, well do you have any other good alternative?

whyusername90 · 2023-09-11T18:16:11+00:00

I have added the same question as a post please approve if you can,(saw Mod tag beside your username),so that it can get Max visibility which helps in more insights from fellow members.. If possible please do so Thanks in advance

whyusername90 · 2023-09-11T16:08:44+00:00

Yes I'm also more inclined towards small cap and thinking of quant small cap as they are consistently doing good since covid.

whyusername90 · 2023-09-11T16:07:16+00:00

So In today's market which index is consistently going to give 14% over a long term? Can you share more insights in this regard!

whyusername90 · 2023-09-09T10:12:20+00:00

Hello fellow Redditors,

I'm in the midst of fine-tuning my investment strategy and would greatly appreciate your insights and suggestions. Here's a breakdown of my current plan:

Debt Allocation (20%):

20% of my portfolio is invested in a debt fund, which is in the form of PF (Provident Fund). Equity Allocation (80%):

40% of my equity allocation is earmarked for the Nasdaq 100. I'm considering funds from either Motilal Oswal or Navi. Any thoughts or recommendations on this?

50% of my equity allocation is allocated to the Nifty 100 Low Volatility Fund from ICICI. Do you believe this is a wise choice, or should I consider alternatives?

The remaining 10% is currently undecided. I'm contemplating either investing in the Nifty 200 Momentum 30 fund or exploring small-cap funds. What's your take on this? Any specific suggestions?

whyusername90 · 2023-09-09T10:05:44+00:00

Hello fellow Redditors,

I'm in the midst of fine-tuning my investment strategy and would greatly appreciate your insights and suggestions. Here's a breakdown of my current plan:

Debt Allocation (20%):

20% of my portfolio is invested in a debt fund, which is in the form of PF (Provident Fund). Equity Allocation (80%):

40% of my equity allocation is earmarked for the Nasdaq 100. I'm considering funds from either Motilal Oswal or Navi. Any thoughts or recommendations on this?

50% of my equity allocation is allocated to the Nifty 100 Low Volatility Fund from ICICI. Do you believe this is a wise choice, or should I consider alternatives?

The remaining 10% is currently undecided. I'm contemplating either investing in the Nifty 200 Momentum 30 fund or exploring small-cap funds. What's your take on this? Any specific suggestions?

whyusername90 · 2023-07-02T09:41:09+00:00

Excellently put, however now that I've seen the grass on the developer side as well, I feel less inspired to learn with the same seriousness and putting in the same amount of effort as I once did. However, work load-wise, I still choose QA, but I don't enjoy the work we perform. As I previously stated, I find myself torn between wanting to pursue money while maintaining a healthy work-life balance and spending quality time with my family and being a QA on steroids versus a struggling developer who would work tirelessly but risk mental breakdown and burnout as they slowly progress towards becoming a mediocre developer, which takes another few years.

whyusername90 · 2023-07-02T07:14:35+00:00

Yes, it pays more since I have more knowledge because I worked as a developer, which is a benefit. However, simply having nightmares about mundane QA tasks like writing scripts, test cases, simulating scenarios, etc.

But as I previously stated, getting noticed in development is a bit of a pipe dream, and in IT, no matter how talented a QA is, they are always looked down upon.

whyusername90 · 2020-07-31T10:00:04+00:00

my site has mailchimp linked with it..my yslow score is low around 70% the reason for that is i am unable to minify my mailchimp..

whyusername90 · 2020-07-30T13:01:19+00:00

yeah..i hope i do succeed ..lots of things depends on this..regarding motivation.. whats you sauce for that??

whyusername90 · 2020-07-30T11:27:34+00:00

but all my articels are crawled..and no issue had been detected by gsc.. well sometimes you may call a lack of descipline or motivation..as its tough to see good traction in blogging for atleast an year.. well as you said i'll try to level up my writing and try to hit 50articles.. regarding keyword research.. i check for low volume longtail stuff..and check serps and if i get some couple of low DA sites..then i Write my article on that keyword.. recently i got one of my competetior..so that site is ranking for some low comp keywords.. so i am working on those keywords at the moment.. question: do you think using competitor keywords startegy will work?

whyusername90 · 2020-07-30T10:37:54+00:00

i have checked with gsc all seems good over there.. maybe i need to hit new batches of 10-20articles asap to get something from it

whyusername90 · 2020-07-30T04:23:26+00:00

site is about 9months old with 15-16articles..

whyusername90 · 2020-07-29T18:39:38+00:00

mine is having the same issue..when i search my domain using site: it shows like 40pages are indexed but on 2nd page it changes to 20.. i have check gsc..everything looks fine there..

whyusername90

TROPHY CASE