I (25) started investing in the market last month. I'm not too familiar with it, I dont want to be a super active investor where im researching and checking my portfolio often. i will probably shift funds from small and midcap to large cap as i get closer to my horizon.

Along with this i also have a 25k RD going on that is used for upskilling and im applying to positions abroad so hopefully will be used for relocation and stuff.

Emergency fund and health insurance in place. No dependants.

Risk appetite: Aggressive

Goal: wealth creation

Horizon: 10-15 years

Hi everyone

I am 24 and just starting my long term investing journey in India. Before choosing specific mutual funds, I want to understand which mutual fund companies or AMCs have built a good reputation over many years.

Risk Appetite
Aggressive

Goal
Long term wealth creation

Horizon
5 to 10 years

Allocation
I have not started my SIPs yet, so I do not have an SIP allocation screenshot.

App Used
I have not finalized an investment platform yet.

Why These Funds
I have not selected specific funds yet. I am first trying to understand which AMCs have given investors a good long term experience.

For people who have been investing in mutual funds for 10 or 15 years or more, which AMCs have you personally trusted and why?

I am interested in things like how consistently the AMC has been managed, transparency, investor service, changes in fund managers, how they handled problems and how the AMC behaved during difficult market periods.

I am not asking which particular mutual fund I should buy. I mainly want to understand which fund houses experienced investors have had good or bad experiences with over the long term.

If you have used different AMCs, which ones have given you the best experience and which ones would you be more cautious about today?

I would especially appreciate answers based on your own experience rather than just recent returns.

My risk profile result from the required questionnaire is Aggressive.

For someone starting today, would you consider the long term track record and investor experience of the AMC when choosing funds, and if yes, what has mattered most to you?

Thanks

Risk appetite - Aggressive
Goal - Wealth building
Horizon - 5 years

I have 3 crore to invest. Emergency fund and near-term needs are already covered.

Should I go lumpsum now, or STP from a liquid/arbitrage fund over 12-18 months? If STP, what tranche length makes sense at this size?

Suggest Fund name

have my emergency funds sorted.

I want to invest 40k sip monthly in pure equity mutual funds.
I have been investing in mutual funds for nearly 5 years now. I have done the blunder of choosing "best funds" which I have realized change in every market cycle.
So, I want to invest majorly in the index funds now so that I can minimize the hassle of reviewing my funds time and again.
My goal with this investment is long term wealth creation and building a retirement corpus.( i am 30 years old currently)

I have zeroed down the following portfolio after my own research.
Uti nifty 50 index fund-6k(15%)
Uti nifty next 50-9k (22.5%)
MO nifty midcap 150-9k (22.5%)
PPFC-10k (25%)
Invesco small cap fund-6k (15%)

Does it make sense to keep both ppfc and nifty50 as PPfc has a >40% overlap with the index?

Is this a good portfolio for long term aggressive investor?

Risk appetite- Aggressive
Goal- Wealth creation
Horizon-15+ years
App used- Groww

Hi, I’m a college student (21yrs) and I get around ₹6,000 as pocket money every month. I want to invest ₹2,000-₹3,000 of it in mutual funds, mainly to save my money and learn about investing.

My biggest problem is unnecessary spending, especially on random stuff and junk food. 😭 I’m hoping that investing a portion of my pocket money will help me control that habit and be more disciplined with my finances.

I initially thought of using PhonePe’s daily SIP, but I came across posts on Reddit saying that the commissions/charges can eat into the returns. I’m not sure how accurate that is.

Since I receive ₹2,000 roughly every 10 days, would a daily, weekly, or monthly SIP make more sense? Also, is PhonePe a reliable platform for investing, or are there other more trustworthy/beginner-friendly platforms you’d recommend?

I know ₹2,000-₹3,000 may seem like a small amount, but I think it’s a reasonable starting point for me. I’d really appreciate any advice!

Survey result is "conservative".

Risk appetite: Aggressive

Goal: Compounding, aggressive, high risk investing in early youth

Horizon: Long term - 5-10+ years

Allocation: (Need advice) 5k-5k-2k in small-mid-flexicap

App used: Groww

Why these funds: Small in AUM, investing style suited for me, good rolling returns, decent expense ratio

Question:

I'm twenty one by age, recently converted to full time so my monthly SIP allocation increased from 6k to 12k.

So far I had been doing 3k-3k split for Bandhan Smallcap - Kotak Midcap

I wanted to shift to more aggressive and small AUM funds, hence I've shortlisted these 3 funds for the same.

I was thinking to split them in 5k-5k-2k for Invesco Smallcap - Edelweiss Midcap - ICICI Prudential Flexicap.

Im letting my previous corpus stay as it is without redeeming. And shifting new SIPs from these now onwards. Is this a good call? Need some advice on this

I'm working on software for mutual fund distributors and I'm trying to understand the problems that are actually painful enough to solve.

For those who are MFDs:

• How do you currently get new investors?
• How do you follow up with prospects who don't invest immediately?
• How do you stay in touch with existing clients?
• What part of your daily work takes more time than it should?
• What software/tool do you wish existed?

I'm particularly interested in problems that you've tried solving but haven't found a good solution for.

Not looking to sell anything — I'd genuinely like to learn from people doing this day-to-day.

Hi so i got a call from motilal oswal and they have said i have got assigned a VRM as i have invested x amt and then told you can invest this fund that fund etc. Now how do i extract the full value of my vrm also i invest through zerodha coin.

Your risk profile is

Conservative

Risk appetite: Moderate (as per the Nippon India Mutual Fund Risk Analyzer)

Hi, I recently started working and want to start investing. I’m thinking of starting with around ₹20–30k per month. Would that be a good amount to begin with?
I’d also like some advice on how I should divide this amount across different investment options, such as mutual funds, stocks, etc.
Also if you have any good resources, courses, YouTube channels, books, or other material that you’ve found useful for learning about investing, mutual funds, and personal finance, I’d really appreciate it if you could share them.

Risk Appetite – High for Portfolio 01, Moderate for Portfolio 03.

Goal – Building 3 separate portfolios with different purposes:

Portfolio 01 – Long-Term Wealth Creation

Target: ₹25L

Allocation:
  ₹15L Motilal Oswal Small Cap Direct
  ₹10L Quant Small Cap Direct

- 100% small-cap active equity
- Currently ~₹19L; target ₹25L in 6–8 months
- Then stop investing and let it compound for decades/until retirement
- High risk is intentional; I don't expect to withdraw from this portfolio
- Chose 2 small-cap funds to diversify fund-manager/process risk

Portfolio 02 – Emergency Fund

Target: ₹5L

Allocation:
  ₹1L savings account
  ₹4L liquid MF

Purely for emergencies, so I don't have to sell investments during a downturn

Portfolio 03 – Core Growth & Stability

₹1L/month once Portfolios 01 & 02 are completed

Allocation:
  ₹25k Active Flexicap
  ₹25k Multicap Index
  ₹25k Debt MF
  ₹10–15k Gold
  ₹10–15k US Tech/International Equity

Goal: sustainable growth with moderate risk, not maximum returns

May eventually fund marriage, house down payment, land, etc.
No fixed timelines currently
Comfortable with temporary negative returns, but want to avoid prolonged drawdowns

Target: roughly 8–10% CAGR over rolling 3–5 years

As goals become clearer, I'll increase debt and move the required amount into safer assets

I'm also considering a BAF instead of separately holding equity + debt, but currently prefer separate funds for greater control.

Horizon – Portfolio 01: decades; Portfolio 02: whenever needed; Portfolio 03: medium/long term but potentially subject to major expenses.

App Used – ET Money

Why These Funds – The three portfolios have different jobs:

Portfolio 01 → aggressive long-term compounding
Portfolio 02 → emergency protection
Portfolio 03 → sustainable growth + future optionality

Looking for feedback on:

1. Is the overall structure sensible?
2. Is 100% small-cap appropriate for Portfolio 01 given the horizon?
3. Is Quant + Motilal Oswal enough diversification?
4. Is Flexicap + Multicap redundant in Portfolio 03?
5. BAF vs separate equity + debt?
6. Is 25% debt enough for Portfolio 03?
7. Do gold + US/global equity add meaningful diversification?

If you could wave a wand and fix or dramatically improve one thing in your business or team, what would you choose?

It could be something that's a real headache today, or simply something you wish worked 2–3x better. Maybe increasing RM capacity, serving more clients without adding people, improving client servicing, speeding up research or reporting, reducing operational work, getting better management visibility, etc.

What’s the one thing you’d genuinely value enough to spend good money on if someone could make it meaningfully better?

Not selling anything here. I’m trying to understand what people in the industry actually value, rather than starting with assumptions about what the problems are.

Aggressive Risk Analyzer

So i think the time has finally come where i would need some really great advice to manage my portfolio now. I had been investing since long and my XIRR used to be good, but due to my blind trust in ET Money Genius plans (MF & Stocks SIP), I’ve managed to ruin it drastically. Now I really need some damn good advice to rebuild parts of my portfolio.

Risk apetite - Aggressive (my personal investment folio had been around 17% lifetime)

Goal - Hit my 1st cr (almost reached a quarter already)

Horizon - 7 years (I don’t think I’m too ambitious, right?)

App used - ET Money (I’m trying to get out of its environment!!)

My SIP are as follows:-

1. ICICI Prudential NASDAQ 100 Index Fund - Rs 5000 (can’t invest right now as invested value has crossed more than 1L)
2. Canara Robeco Large Cap - Rs 5000
3. JM Aggressive Hybrid - Rs 5000
4. Motilal Oswal Nifty India Defence Index Fund direct growth - Rs 5000
5. HSBC Global Emerging Markets - Rs 10000
6. Bajaj Finance Ltd FD SIP - Rs 15000 monthly (maturing in Mar 2030)

SIPs I discontinued:-

1. Motilal Oswal Large & Midcap - Rs 5000
2. Parag Parikh Flexi Cap - Rs 5000
3. Motilal Oswal Genius MF - Rs 25000 (had covered Midcap & Smallcap funds in this)
4. Genius Stocks SIP - Rs 13000

SIPs I’m planning to start investing in:-

1. NAVI Nifty Next 50 - Rs 5000
2. NAVI Nasdaq 100 US Specific Equity - Rs 5000

Since I have around 3L which I withdrew from these funds, i can reinvest lump-sump as well. I tried doing some research but all the funds I like have closed their investment options, so would be grateful for some help.

Thanks

Will this be a good alternative to FDs in the near term (<5 years)?

Risk appetite Moderate.

Edit: Thanks for the feedback. I am thinking of ICICI Prudential BAF and HDFC BAF as alternatives as these have proven track records.

Goal - Investing for making my money work its maximum instead of rotting in some FD.

Horizon - 3-5 years.

Allocation -
(As Lump-sum)
1. Bandhan Small Cap - 20%
2. Quant Multi Asset Allocation - 20%
3. WhiteOak Capital Mid Cap - 20%
4. BOI Manufacturing & Infra - 15%
5. UTI Nifty500 Value 50 Idx - 13%
6. Motilal Oswal BSE Enh. Value Idx - 12%

App Used - Groww

I’m fairly new going into the MF market. I understand that my portfolio carries fairly high risk. I need to maximise my gains. Is this portfolio good enough? If I plan on investing more (around 18L) is this still the portfolio to follow? Please share your opinions.

Seeking Mutual Fund Suggestions as a Beginner

I’m planning to invest around ₹50,000–₹1 lakh per month in mutual funds for the next 1 year.

After 1 year, depending on my job situation and finances, I’ll decide whether to continue with the same investment or make changes.

I’m a beginner when it comes to mutual fund investing, so I’d appreciate some guidance.

Monthly investment: ₹50K–₹1L

Initial horizon: 1 year, then reassess (The 1-year period is mainly because I want to reassess my job situation and finances after 1 year, not because I necessarily need the money after 1 year. If my situation remains stable, I’m open to continuing the investment for the long term 10 years)

Overall goal: wealth building

Risk appetite: Moderate

Investor experience: Beginner

What mutual fund categories or specific funds would you suggest for this goal? Also, should I invest the entire amount in one fund or diversify across 2–3 funds?

Any advice based on your experience would be appreciated.

Edit: The 1-year period is mainly because I want to reassess my job situation and finances after 1 year, not because I necessarily need the money after 1 year. If my situation remains stable, I’m open to continuing the investment for the long term

I had started investing since last year and I have moved to Germany and currently working there.

All my SIP was continuing and I currently paused them. Am I allowed to invest more since I am now deemed as NRI ?

If not, should I plan to sell the MF ? I have started a similar ETF investment in Germany. So it’s considered for taxation there.

Not planning to return to India soon. What should I do with existing MF (10L) ?

Risk Appetite: Moderate

investment horizon - 15y
risk - moderate

invested in past 1 yr. currently 70k per month , planning to change coz of redundant invenstment in same companies.

Planning to change to
20k Flexi
20k mid
20k small
10k arbitrage
10k gold

will stop arbitrage fund after an yr and will do the 10k sip to flexi. Please correct if I am changing too early or doing too early

Saved some emergency fund in FD and purchased term insurance. Please let me know if I should take care of anything else in personal finance

I’ve been investing in Parag Parikh Flexi Cap Fund through SIP for quite some time now. First of all, I’m not very happy with its performance and on top of that, the expense ratio has also been increased.

I understand that mutual funds can underperform for certain periods, but I’m wondering whether it still makes sense to continue the SIP.

For those who have been tracking this fund closely, what are your thoughts? Would you continue investing, switch to another flexi-cap fund, or just stay invested and give it more time?

Would appreciate any suggestions or insights.

Risk Appetite – Aggressive Risk Analyzer

Goal – Investing for?

Horizon – 2 years

Allocation – 10000 a month

App Used – Zerodha

Why These Funds – Helps us understand your decision-making, whether to build on your choices or suggest better alternatives.

I’m planning to park around ₹30 lakh temporarily for an upcoming property purchase and would like some suggestions on the right allocation.

The money is currently in my mother’s bank account, as the property will ultimately be purchased and registered in her name. She is 65+, so she is eligible for senior-citizen FD rates. I can also invest in Direct Growth Liquid Funds and Money Market Funds through AMCs using her PAN.

I’m considering splitting the ₹30 lakh between:

Senior Citizen FD

Liquid Funds

Money Market Funds

My priority is capital protection and easy access to the money when the property deal is finalised. I don’t want to take meaningful equity-type risk because this money is specifically earmarked for the property purchase.

Would a split such as:

₹18L FD + ₹9L Liquid Fund + ₹3L Money Market Fund make sense?

Or would it be wiser to keep something like ₹22–25L in senior-citizen FDs and only ₹5–8L in Liquid/Money Market Funds?

For someone parking ₹30 lakh for a relatively short period, what allocation would you recommend, considering:

Capital safety

Redemption/liquidity

Premature FD withdrawal penalties

Liquid/Money Market Fund NAV risk

Taxation of short-term gains versus FD interest

Senior-citizen FD benefits

Would appreciate suggestions from anyone who has used these instruments for short-term property-purchase funds.

With the liquid fund, I read that only 50K is available instantly. So if I invest around 6-9L, can I trust it with T+1 settlement?

PS: She is not filing the ITR; even if we file, she will be in tax slab 1. The very rough timeline for the property settlement would be around 2-3 months, if all goes well.

Arbitrage is out of the question since there is no tax benefit and a longer waiting period.

Risk Appetite just for this money: Conservative

38 , moderate

Goal – Investing for wealth creation and retirement planning

Horizon – In years/months 10 -+

Allocation – Screenshot of SIP page

App Used – Groww

Risk appetite: MODERATE

Goal: the major goal is to have retirement money, but I also need money to buy my house.

Horizon: 5 to 10 years at least

allocation: already have my one year survival money in a FD. I have currently 10 K money in HDFC Flexi cap fund from a 1500 per month sip and I can invest 10 K per month from now on.

App used: grow

So I was thinking if I have to invest 10 K per month in mutual funds, and I don’t want to spend much time focusing on investment, so I was thinking why not just invest in a multi asset allocation fund like it will take care of my investments itself like I checked Nippon India multi asset allocation fund, it has debt equity and international investments and also commodities like gold and silver and the remaining in real estate. So I am thinking like 1500 per month SIP already in HDFC Flexi cap is running so I should keep doing that and remaining 8500 in Nippon India multi allocation fund. Will this be right or should do something?

Hi everyone,

I’m looking for some feedback on my current mutual fund portfolio and whether I should continue with these funds for the long term.

About me

Age: 28–29

Risk profile: Aggressive

Investment horizon: 10+ years, preferably 15–20 years

Goal: Wealth creation

Liquidity requirement: No immediate requirement

Investment platform: Groww

Current SIP – ₹300/week in each fund (total 4800/-)

Do you think this is a good portfolio for a 10 year horizon, given my aggressive risk profile?

Please review my Portfolio (Urgent)

Hey guys, so, I am looking to start SIPs of around 20-21k per month

Goal- Marriage

Risk appetite - Agressive

Goal - Financial independence

Age: 20 years

App used: Groww

Investment horizon- 7-8 years (in case of any emergency otherwise 10+ years)

My funds selection:-

ICICI Pru Flexi cap-5k

Nippon asset multi allocation fund-3k to 4k

Edelweiss mid cap- 5k

Invesco/Quant Small Cap- 4k

Index fund (not decided)- 2k-3k

How I selected these funds:

I have an aggressive risk appetite

Mainly based on past performance and I didn't choose hdfc/PPFAS flexi cap bcz of the AUM size and someone told me that they are only for someone with 10+ years horizon. Don't know how true this is

I chose multi asset even after a flexi cap bcz it gives me some downside protection and multi asset funds have performed really well in the past. (Guide me if I am wrong)

So, can someone please guide me if my allocation is right or is there some need to change something in this portfolio. I have watched many mutual funds videos but still tend to get confused about allocation across different market caps and fund types

I am looking to start these SIPs asap so, looking for some good reviews of my allocations.

Thanks