How to re-organise your mutual fund portfolio
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- Опубліковано 22 лип 2024
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This video has taught me how much it is too much. Very informative 👏
Down to earth investment advice.
Always good and straight advices.wonderful video team.
A very important advice for the beginners and naive investors ... because people always prefer 10 random SIPs each with 2k and ending with a on-paper good return, but according to the value which remains less effective in most of the times. Instead of that, 4 well-calculated SIPs each with 5k which could have been a game changer !!!
excellent idea my suggestion is every year keep withdrawing one lac profit from mutual funds to get ltcg tax exemption and to increase ur principle amount also
@@sureshbabu5506
Hello Brother☺, I'm in my early 20s and planning to be a aggressive and a ultra long term invester, basically having a higher risk tolerance and have enough patience to get high returns.
I'm gonna start my investment on APRIL 2024. I don't have any specific goal oriented investment, better to say, that I'm investing for generational wealth creation or atleast for my post retirement stage.
1. EDELWEISS Nifty 50 index fund (for Mega cap exposure) ~ 20% Allocation (0.05% ER)
2. EDELWEISS Nifty Next 50 index fund (for Large cap exposure) ~ 20% (0.09% ER)
3. EDELWEISS Nifty midcap 150 momentum 50 index fund (for Mid cap exposure) ~ 20% (0.14% ER)
4. Nippon Indian small cap fund (for Small cap exposure - only active fund in my portfolio) ~ 20% (0.67% ER)
5. ICICI prudential Nasdaq 100 index fund (for International exposure) ~ 20% (0.50% ER)
These are my 5 Definite Index/Mutual Funds which I will start, once I opt to invest.
So literally investing in all the companies listed in the NSE from 1 to 500, where instead of investing in direct Nifty 500, I have diversified my entire portfolio based upon market capitalisation and also gave equal weightage to all the top 500 companies.
Investing method will be completely in SIP and will also actively increase or decrease the SIP regarding to the market fluctuations - investing more when market dips and less when it's all time high and all 5 funds will be given equal weightage to SIP.
By being said this I have already covered my health insurance and term insurance and also have a good chunk of emergency fund.
And also I'm not interested in any other asset classes such as Savings Account, FD, RD, PPF, NPS, REITS, Debt Funds, Mutual Funds, bonds, stocks, ETF's, Cryptocurrency, Real Estates, etc currently. Maybe in my late 20s, i.e after marriage I will slowly start to include some of the other options.
So as of now, apart from index funds I may have one more asset class - Gold via SGB.
As I'm at the initial stage of investing, I don't want to try hands on with direct equity or stocks. As it required huge research and continuous monitoring. I love to be a passive investor, that's why I have even choosed Index Funds over Active Mutual Funds.
Sorry for a long para, but I need some prerequisites context to convey my thought process towards my Investment Portfolio, so that you can get a glimpse of my investing style to guide me.
So my query is, is it really good to have only these 5 Funds in my portfolio regarding Mutual Funds, as inclusion of any more fund will result in overlapping. Is my investing style of only depending on Index is a good strategy, atleast in my early stage of building wealth and considering my long run in investing?
And i will be pretty happy if my portfolio has a CAGR anything above 12% in long run.
Can you share your valuable thoughts over my idea and correct me if I'm wrong?
Thanks in advance.
was very interesting listening to you
4 mutual funds if u could suggest which will ideal would b of great help .
Nice information 👌👌
Good one.. But it would be more good, if you would have suggested 4 to 5 fund allocation to remain in, during re structuring.
Edelweiss Large Mid 250 index, Quant Small, WhiteOak Multi Cap, Motilal Oswal s&p 500
Sir, Can Monthly or Quarterly Subscription plan for VR Premium be started?
I don't think having more than 4/5 funds is a big problem. If one can stay invested for longer periods & don't panic when the market is down, then there is no problem whether you have invested in 4/5 funds or 14/15 funds. The single most important lesson is not to redeem when the market is down. However, small number of funds help to maintain focus & track but this could also increase the heartbeat if one fund gets a severe beating in the market.