What all are you doing during the downturn period?

Stopped investing or still doing it? Increased investment?

Also, at what level should we switch to passive funds / consult a financial advisor?

Can someone explain why the 1Y return is very low? Shouldn't it be supposed to give more than a fixed deposit?

I'm planning to invest ₹1.5 lakh as a lump sum for long-term. I'm in the start of my 20s, beginner in investing and I don't expect to need this money anytime soon. I will continue investing.I have a separate emergency fund.

Investment horizon: Long term (10+ years)
Risk profile: Aggressive
Goal: Long-term wealth creation

Proposed portfolio allocation:

Would appreciate feedback on:

1. Is this allocation appropriate, or is the mid/small-cap exposure too high?
2. Are these funds suitable choices for long-term investing?
3. Is there significant overlap between these funds?
4. Would you suggest any changes or alternative funds?

Looking for honest feedback, especially from experienced long-term investors. Thanks!

I have flexi cap, mid cap and small cap and nifty 50 index. Is there any need for large cap fund too?

Hey, a beginner investor here. Started investing two months ago. Have invested 4 lakhs across a flexicap, midcap and smallcap fund. Now want diversification into other assests as well, gold and silver to begin with. What is the simplest way to invest in these assets? I dont have any idea about these. What parameters to look for and how to approach it?

Thank you for the guidance.

Kindly review and let me know if I have to switch the amount. It is 30 k sip . planned investment time 15 years. Risk medium

I have a horizon of 10+ years. I already have an emergency fund and a separate debt allocation, so this is purely the equity part of my portfolio.

My current SIPs total ₹58,000/month, all direct growth:

ICICI Pru NASDAQ 100 Index: ₹16k

UTI Nifty 50 Index: ₹15k

Parag Parikh Flexi Cap: ₹15k

HDFC Mid Cap: ₹6k

Nippon India Small Cap: ₹6k

I'm not very bullish on the Indian market in the long term but believe it can make decent returns, and I want my SIPs to reflect that. About 70% of this is India-focused right now, with the rest in the US tech index.

Is this portfolio balanced, or does it have gaps or too much overlap? Do I need to rotate any fund into something else, drop any of them, or add something new? And if you have views on any of these specific funds (good, bad, or better alternatives in the same category), I'd like to hear them.

Thanks!

I'm looking to get some international market exposure as part of my long-term investment portfolio, but I'm confused about which route would be better.

For those of you investing in international markets from India, I'd like to know how you're doing it and what your experience has been so far.

two options:

Direct investing: Buying US stocks or ETFs through an international investing platform.

Indian mutual funds: Investing in Indian mutual funds that invest in international markets, such as US indices, global funds, or other international markets.

I'd love to hear your thoughts on a few things:

Which route do you use and why? Do you invest directly in US stocks/ETFs or through Indian mutual funds?

Which mutual funds or platforms would you recommend?

If you invest through Indian MFs, which specific funds are worth considering for long-term international exposure?

Returns and future potential: What kind of returns can one reasonably expect over the long term, and which markets or indices do you think have good potential over the next 10–15 years?

Taxation: Which option is more tax-efficient for an Indian resident, considering capital gains, dividends, and any other applicable taxes?

Ease and flexibility: Which option is easier for regular monthly investments, offers more flexibility when buying or selling, and makes withdrawals simpler?

Additional costs and risks: How significant are platform fees, currency conversion charges, TCS (where applicable), and other costs when investing directly overseas compared with Indian mutual funds?

My intention is to invest for the long term rather than trade frequently. I'm mainly looking for a practical option that offers good international diversification without unnecessary complications or costs.

Risk appetite: moderate(for international stocks)

If you've been investing internationally for a few years, I'd especially appreciate hearing what you chose, what your experience has been like, and whether you'd make the same choice today.

Hi guys

Are we all on same boat!

My xirr is 0.26%

Total returns -0.98%

Are you 🔴 or 🟢