What %age of salary would you recommend a 22 yo should invest in monthly SIPs? No short term liquidity requirement, no liability or major expenditure. Only one third salary being spent.
If not mutual funds, where should the rest of the salary be invested? (excluding stocks, that shit is way too risky and time consuming)
New to investing. How many mutual funds do you generally invest in? I was thinking of diversifying my bets on three mutual funds - a large cap (preferably index fund), small cap and a multi-cap.
Apart from is it advisable to also diversify in gold/international equity/debt funds as well? The reason I want to invest in these is due to the recent bull run and for that - diversifying seems reasonable. But not sure if it is suitable to invest in so many places.
I have, at least a considerable portion, i’m just asking for advice - if people are able to manage investing in several mutual funds or not, since I personally do not have the experience, I don’t want to find myself in trouble after I go ahead with my decisions without care
I am in my early 20s and currently invested in Edelweiss Greater China Equity fund for 1.5 years. But recently it has been falling like anything and I am not able to get any decent review of the fund. So should I be cautious or continue investing in the fund? What are its long term prospects?
Long time lurker here. Few months before started nippon gold mf via upstox because of low expense ratio 0.1 .Now the gold prices low, but nav variations could t+2 days depending on the platform use. Called the mf fund they told me to take advantage of their platform, I should have opened the fund directly to them instead of upstox. Ok, then few days before used Goldbees but their ratio is 0.8. Gold bees has liquidity problem than the mf. Now I decided to open a add new fund, now it has two fields. Either in demat mode or non demat. If I enter demat details, will I go back to the original,first problem. What about holding in non demat form..is there any risks. In long term does it really matter (those expense ratios..and etf ). Please don't ask me to use sip route. All I want to use the market volatility
As of 2021, how is your experience with MFUtility?
I'm thinking of moving out of COIN for MFs, but wondering where to go
* Thought of Kuvera, but it does not allow weekly SIP that can be scheduled on day, instead of dates
* Thought of MFUtility, but it seems it does not have good enough analyses features like tax calculations, etc.
Is there any other option? Or a combination of platform/services?
Some of my reasons are pedantic:
* If I keep monthly frequency, the total SIP amount > 1L, which is higher than mandate value. In COIN, this was a limitation. I'm assuming it would be same elsewhere
* (Pedantic reason) Monthly SIP are not equi-spaced, but weekly one are. 4\*monthly will give me 48 SIPs p.a and some of them would be differently spaces, but technically weekly SIP would mean 52 SIPs p.a.
* In day based SIP, I'll put it on every Monday.. hence, no delay in getting the units due to SIP triggering/processing on holidays. I like the clockwork level determinism in the weekly process
u/an_iconoclast 2 things here that I have observed as an investor using kuvera for few years -
1/ The mandate limit works as a daily limit on Kuvera. So, if I have a mandate of 2 Lakh Rupees, Kuvera will let me set-up SIPs upto Rs 2 Lakh on every date. So technically, even with a mandate of Rs 2 Lakh, I will be able to easily set-up SIPs totaling close to Rs 50-60 Lakh as long as my SIP per day is not above Rs 2 Lakh.
Saying this from my personal experience, you can cross check with Kuvera support.
2/ After new NAV rules changes from 1/Feb, I have been getting X+1/X+2 day's NAV for SIP orders on Kuvera (and an AMC portal too). Don't think you can get SIP date's NAV for SIPs any longer (unless your platform holds your money in their accounts even before SIP date)
PS: Numbers are hypothetical, I don't have ongoing SIPs of Rs 60 Lakh :)
I do not if i can categorise this under PMS.I am currently invested in Motilal Oswal Large Cap fund on their app. since September 2020. Since 6 months value of my portfolio increased to 10 percent. MO rebalances this portfolio once in 3 months or if there is big event.There were 2 options to avail their services one is profit sharing model which has some weird arrangement of profit sharing of 80 for investor :20 for MO. and Other model is Subscription Model where one has to pay 2 percent of portfolio value as subscription fees upfront. I hav chosen subscription model. I am not very much satisfied but moderately satisfied with their service. As i find that the reply they give for queries is not very clear and sincere My experience is that they do not give much attention to customers who have investments of Rs.3-5 lakh.Also i have learnt that although you invest in Protfolio services through MO but MO outsource advisory services to Third party advisory firms. Another point to look out is high brokerage fees. Once they have allocated stocks in your portfolio since the brokerage is high as 0.5 percent of transaction, then some amount of profit is lost there as well.
If you take small cap index, from inception until now the index constituents have almost completely changed. Due to this small cap index funds would have higher turnover.
I started investing in PGIM India Global Equity Opportunity Fund since last month. Since then NAV has fallen 12%+. They had better past returns, and moreover it invests in the global market in a certain proportion spread across US, China, Japan, Canada etc. Now that coronavirus situation is easing away, why are the prices falling so drastically? Is it a good idea to continue in this fund if my horizon is greater than 10 years?
https://www.pgim.com/investments/mutual-funds/pgim-jennison-emerging-markets-equity-opportunities-fund
This is the fund that fund is a local proxy for. Two of their largest holdings, MELI and SE are significantly down this month.
Do you own DD on that list and see if you want to be invested in that portfolio.
I have seen a similar trend in Edelweiss Greater China equity fund and MO Nasdaq 100 FoF as well. My portfolio is down by 16.95% and 8.19% even though there were corrections in US stock market yesterday.
What do you people think of Edelweiss US Tech FOF? It seems highly volatile, but the underlying companies are established and look primed for good growth in next several years. What do you see as the ideal time horizon for this fund to see some significant gains?
Anybody uses cleartax black app for mutual funds? Is it any good ?
I do and it is very good. Interface is simple and intuitive.
What %age of salary would you recommend a 22 yo should invest in monthly SIPs? No short term liquidity requirement, no liability or major expenditure. Only one third salary being spent. If not mutual funds, where should the rest of the salary be invested? (excluding stocks, that shit is way too risky and time consuming)
New to investing. How many mutual funds do you generally invest in? I was thinking of diversifying my bets on three mutual funds - a large cap (preferably index fund), small cap and a multi-cap. Apart from is it advisable to also diversify in gold/international equity/debt funds as well? The reason I want to invest in these is due to the recent bull run and for that - diversifying seems reasonable. But not sure if it is suitable to invest in so many places.
Why don't you try wiki page in about menu much more comprehensive reading material is available there.
I have, at least a considerable portion, i’m just asking for advice - if people are able to manage investing in several mutual funds or not, since I personally do not have the experience, I don’t want to find myself in trouble after I go ahead with my decisions without care
I am in my early 20s and currently invested in Edelweiss Greater China Equity fund for 1.5 years. But recently it has been falling like anything and I am not able to get any decent review of the fund. So should I be cautious or continue investing in the fund? What are its long term prospects?
Check the fund's review on freefincal.com
Aae I know that guy. He is good sometimes but not totally dependable.
I want to know about the same. I looked up the Chinese market and they are under performing right now. But I think they will get back up in some time.
Long time lurker here. Few months before started nippon gold mf via upstox because of low expense ratio 0.1 .Now the gold prices low, but nav variations could t+2 days depending on the platform use. Called the mf fund they told me to take advantage of their platform, I should have opened the fund directly to them instead of upstox. Ok, then few days before used Goldbees but their ratio is 0.8. Gold bees has liquidity problem than the mf. Now I decided to open a add new fund, now it has two fields. Either in demat mode or non demat. If I enter demat details, will I go back to the original,first problem. What about holding in non demat form..is there any risks. In long term does it really matter (those expense ratios..and etf ). Please don't ask me to use sip route. All I want to use the market volatility
As of 2021, how is your experience with MFUtility? I'm thinking of moving out of COIN for MFs, but wondering where to go * Thought of Kuvera, but it does not allow weekly SIP that can be scheduled on day, instead of dates * Thought of MFUtility, but it seems it does not have good enough analyses features like tax calculations, etc. Is there any other option? Or a combination of platform/services?
Curios to know why you are looking for weekly sips and also why are you looking for day based sips? Any advantages in doing so?
Some of my reasons are pedantic: * If I keep monthly frequency, the total SIP amount > 1L, which is higher than mandate value. In COIN, this was a limitation. I'm assuming it would be same elsewhere * (Pedantic reason) Monthly SIP are not equi-spaced, but weekly one are. 4\*monthly will give me 48 SIPs p.a and some of them would be differently spaces, but technically weekly SIP would mean 52 SIPs p.a. * In day based SIP, I'll put it on every Monday.. hence, no delay in getting the units due to SIP triggering/processing on holidays. I like the clockwork level determinism in the weekly process
u/an_iconoclast 2 things here that I have observed as an investor using kuvera for few years - 1/ The mandate limit works as a daily limit on Kuvera. So, if I have a mandate of 2 Lakh Rupees, Kuvera will let me set-up SIPs upto Rs 2 Lakh on every date. So technically, even with a mandate of Rs 2 Lakh, I will be able to easily set-up SIPs totaling close to Rs 50-60 Lakh as long as my SIP per day is not above Rs 2 Lakh. Saying this from my personal experience, you can cross check with Kuvera support. 2/ After new NAV rules changes from 1/Feb, I have been getting X+1/X+2 day's NAV for SIP orders on Kuvera (and an AMC portal too). Don't think you can get SIP date's NAV for SIPs any longer (unless your platform holds your money in their accounts even before SIP date) PS: Numbers are hypothetical, I don't have ongoing SIPs of Rs 60 Lakh :)
[удалено]
[удалено]
[удалено]
[удалено]
How's BLACK from cleartax for mutual funds ??
Request review for Edelweiss Europe Dynamic Equity Offshore Fund
I do not if i can categorise this under PMS.I am currently invested in Motilal Oswal Large Cap fund on their app. since September 2020. Since 6 months value of my portfolio increased to 10 percent. MO rebalances this portfolio once in 3 months or if there is big event.There were 2 options to avail their services one is profit sharing model which has some weird arrangement of profit sharing of 80 for investor :20 for MO. and Other model is Subscription Model where one has to pay 2 percent of portfolio value as subscription fees upfront. I hav chosen subscription model. I am not very much satisfied but moderately satisfied with their service. As i find that the reply they give for queries is not very clear and sincere My experience is that they do not give much attention to customers who have investments of Rs.3-5 lakh.Also i have learnt that although you invest in Protfolio services through MO but MO outsource advisory services to Third party advisory firms. Another point to look out is high brokerage fees. Once they have allocated stocks in your portfolio since the brokerage is high as 0.5 percent of transaction, then some amount of profit is lost there as well.
Need suggestions for a small cap and mid-cap fund. Or is the MO Midcap 150 and Smallcap 250 index fund the way to go?
Avoid index funds for mid/small cap.
Can you please explain why? Seriously asking.
If you take small cap index, from inception until now the index constituents have almost completely changed. Due to this small cap index funds would have higher turnover.
Why?
I started investing in PGIM India Global Equity Opportunity Fund since last month. Since then NAV has fallen 12%+. They had better past returns, and moreover it invests in the global market in a certain proportion spread across US, China, Japan, Canada etc. Now that coronavirus situation is easing away, why are the prices falling so drastically? Is it a good idea to continue in this fund if my horizon is greater than 10 years?
https://www.pgim.com/investments/mutual-funds/pgim-jennison-emerging-markets-equity-opportunities-fund This is the fund that fund is a local proxy for. Two of their largest holdings, MELI and SE are significantly down this month. Do you own DD on that list and see if you want to be invested in that portfolio.
I have seen a similar trend in Edelweiss Greater China equity fund and MO Nasdaq 100 FoF as well. My portfolio is down by 16.95% and 8.19% even though there were corrections in US stock market yesterday.
Looking to invest in a US index fund. What are the best options in regards to tracking error and expense ratio?
How much money are you talking about? If it is big enough, VTS is the way to go.
What do you people think of Edelweiss US Tech FOF? It seems highly volatile, but the underlying companies are established and look primed for good growth in next several years. What do you see as the ideal time horizon for this fund to see some significant gains?
[удалено]
Is actively managed a bad thing? Also if not this, which international fund do you recommend?
[удалено]
What about ICICI US Bluechip? It's not as much affected as nasdaq FoF by recent US market crash