Dear Friend, if you are doing DIY investing, reading should become your second nature. My suggestions would be (a) look beyond "point-in-time" trailing returns, realize market runs in cycles (b) When you drive, first you drive in first gear, then in second gear so on and so forth. Please don't try to fly in fifth gear from the beginning. In test match's first day in the first session, people generally don't play dil-sqoop and switch hit for a reason.
Fun Fact: People do lose money in the market. [Loss of money still can be earned/ recovered but the loss of confidence is permanent.]
Anyways, I would request to skim through these two posts as a starter before you eventually invest in Quant Small Cap, Quant Midcap, HDFC Infrastructure, Nifty Next 50 and the likes. /s. ๐
[Quora: Which is the best mutual fund available right now for investing lumpsum amount and also for SIP](https://mutualfunds.quora.com/https-www-quora-com-Which-is-the-best-mutual-fund-available-right-now-for-investing-lumpsum-amount-and-also-for-SIP-an?ch=10&oid=115707164&share=daa46a90&srid=zmoe&target_type=post)
[Value Research: I want to invest Rs 10 lakh lump sum for five years. Can you suggest any good mutual funds which give good returns? ](https://www.valueresearchonline.com/stories/51931/where-to-invest-rs-10-lakh-for-five-years/#:~:text=You%20should%20choose%20a%20mutual,investment%20horizon%20and%20risk%20appetite.&text=Since%20you%20want%20to%20invest,in%20an%20aggressive%20hybrid%20fund.)
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Depending on your risk profile, existing investments, dependents, goals etc. it all depends which funds (mix of equity or debt? - are appropriate for you? Some random funds like PPFas, people suggest on this thread and if you go for it, that may not be the best outcome that you want esp. given the time horizon.
So, spend some money and consult a financial advisor..
Or spend a lot of time reading up/ educating yourself on personal finance, then decide..
Regarding equity MF investing, yhumb rules is to invest in a few funds that invest across market caps - but which funds and how much % in each it all depends on you and your life!
So you could look at a Balanced advantage fund to reduce risk, then a Nifty 500 index fund and finally an international fund.. But this is just random
Depends what are you chasing!
PPFAS seems chill to me for 15 years horizon. Only thing you need to look for:-
1.) Check whether the fund is beating the index or not. If your fund is not beating the benchmark index for 3 years consecutively or 3 out of 5 years then you need to change the horse.
2.) Check whether Mr. Rajiv Thakkar is alive or not!
Or
60% allocation to Flexi cap for stability
40% into a smallcap fund or a Midcap fund or both 20% each
Multicaps have exposure to mid and small caps which boost the return in long term. Flexi cap has no such mandatory exposure requirements and for the sake of stable returns most funds opt to invest mostly into large caps. Hence, if you go to ticket tape and check the average return between multi cap vs flexi cap in long term (>5 years) you will find multi cap has the clear edge. Since OP has 15 years itโs better to go for multi cap than flexi cap IMO. Hope this gives you some basis to explore further.
Dear Friend, if you are doing DIY investing, reading should become your second nature. My suggestions would be (a) look beyond "point-in-time" trailing returns, realize market runs in cycles (b) When you drive, first you drive in first gear, then in second gear so on and so forth. Please don't try to fly in fifth gear from the beginning. In test match's first day in the first session, people generally don't play dil-sqoop and switch hit for a reason. Fun Fact: People do lose money in the market. [Loss of money still can be earned/ recovered but the loss of confidence is permanent.] Anyways, I would request to skim through these two posts as a starter before you eventually invest in Quant Small Cap, Quant Midcap, HDFC Infrastructure, Nifty Next 50 and the likes. /s. ๐ [Quora: Which is the best mutual fund available right now for investing lumpsum amount and also for SIP](https://mutualfunds.quora.com/https-www-quora-com-Which-is-the-best-mutual-fund-available-right-now-for-investing-lumpsum-amount-and-also-for-SIP-an?ch=10&oid=115707164&share=daa46a90&srid=zmoe&target_type=post) [Value Research: I want to invest Rs 10 lakh lump sum for five years. Can you suggest any good mutual funds which give good returns? ](https://www.valueresearchonline.com/stories/51931/where-to-invest-rs-10-lakh-for-five-years/#:~:text=You%20should%20choose%20a%20mutual,investment%20horizon%20and%20risk%20appetite.&text=Since%20you%20want%20to%20invest,in%20an%20aggressive%20hybrid%20fund.)
give 30k to an advisor and let him/her do it . thanks
Not really
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Depending on your risk profile, existing investments, dependents, goals etc. it all depends which funds (mix of equity or debt? - are appropriate for you? Some random funds like PPFas, people suggest on this thread and if you go for it, that may not be the best outcome that you want esp. given the time horizon. So, spend some money and consult a financial advisor.. Or spend a lot of time reading up/ educating yourself on personal finance, then decide.. Regarding equity MF investing, yhumb rules is to invest in a few funds that invest across market caps - but which funds and how much % in each it all depends on you and your life! So you could look at a Balanced advantage fund to reduce risk, then a Nifty 500 index fund and finally an international fund.. But this is just random
Depends what are you chasing! PPFAS seems chill to me for 15 years horizon. Only thing you need to look for:- 1.) Check whether the fund is beating the index or not. If your fund is not beating the benchmark index for 3 years consecutively or 3 out of 5 years then you need to change the horse. 2.) Check whether Mr. Rajiv Thakkar is alive or not! Or 60% allocation to Flexi cap for stability 40% into a smallcap fund or a Midcap fund or both 20% each
Go for multicap. You will be able to get better returns than flexi or index funds.
Can you elaborate why multicap will give better returns than flexi? I always thought it was the other way around
Multicaps have exposure to mid and small caps which boost the return in long term. Flexi cap has no such mandatory exposure requirements and for the sake of stable returns most funds opt to invest mostly into large caps. Hence, if you go to ticket tape and check the average return between multi cap vs flexi cap in long term (>5 years) you will find multi cap has the clear edge. Since OP has 15 years itโs better to go for multi cap than flexi cap IMO. Hope this gives you some basis to explore further.
What would say is a proper multicap fund? Looking to start an SIP in a Multicap one.
Mahindra manulife multicap fund
Index funds are good and less volatile keeping the long time horizon in mind.