Need advice on how can I heal from bad experiences in life. Things have happened, people shouted at me showed me down, but I was in low situation so couldn't say anything. But these things keep on revolving in my mind.
How to overcome this. Meditation etc I j have tried but not getting any much help.
Been doing some fund analysis before finalising my small cap allocation and wanted a sanity check on this observation.
When you compare HDFC Small Cap and Nippon Small Cap on any top chart or return comparison tool, Nippon looks better on raw numbers. Most people stop there and pick Nippon.
But I looked at the actual portfolio composition here below in screenshots.
Nippon Small Cap holds a meaningful proportion of large cap stocks alongside its small cap allocation. So when you see those higher returns, you have to ask — how much of that is actually coming from the large cap portion of the portfolio and not from true small cap exposure?
HDFC Small Cap on the other hand stays much more true to the small cap mandate. The large cap allocation is minimal. What you are getting is genuinely small cap returns — higher volatility, higher risk, but pure exposure to the segment.
My situation specifically: I already have Nifty 50 and Nifty Next 50 index funds covering large cap exposure cleanly and cheaply. If I pick Nippon Small Cap, I am essentially doubling up on large cap exposure I already have — and paying active fund expense ratio for it.
So I chose HDFC Small Cap precisely because it does not overlap with what I already own.
>The observation I want reviewed: a fund showing higher returns does not mean it is a better fund for your portfolio. It means you need to check where those returns are actually coming from before deciding if it fits your allocation.
Is my reading of the portfolio composition correct? And is this the right framework for thinking about fund selection when you already have index coverage on large caps?
Not looking for "just pick the higher returning fund" replies. Specifically want to know if my overlap analysis is accurate or if I am missing something.
Used AI to help write this clearly. Observation and reasoning is mine.
Some grateful moment story.
I am a dog lover by birth. My grandmother used to tell me that I used to be friends with my gulli dogs and a few times didn't even eat if I didn't meet them.
Those community dogs were left when I changed cities.
Now 30 years later. A moment happened with me few months back which I want to share.
My life was totally fucked up. Lots of personal nd professional issues. Health related issues to my mother. Lost my father many years ago. My job was on the verge of layoff.
Went to take some grocery just to the next street.
While I was walking, a group of black dogs started following me. I didn't get scared. When I reached the shop they were following me and also stopped at the shop.
The shopkeeper who knows me since I live there. Said to me very naturally - " oh ho, Z+ security !! "
I smiled and purchased whatever I wanted and additionally purchased milk bun and fed those 4 dogs, that was usual practice by me whenever I met dogs nearby my home.
Since I was under so much of stress in my life, I searched around internet , I had figured out I was going through sade sati and was feeling my stress in life because of this thing only.
When I hear the shopkeeper say that "z+ security" thing, I felt so much relaxed that GOD is with me. Supposedly Black dogs are associated with Lord Shani.
I used to feed dogs every other day randomly, and after this incident I started to realize that god is with me and my mindset became positive. I slowly started to feel that life is getting better on its own.
So relaxed. Somehow everything fell into the right place and I am pretty much fine right now. Some things are not in place but I strongly believe it will get better slowly.
Thanks dogs. I keep sending money to some dog foundation on a monthly basis as a gratitude to dogs and realisation of this moment.
Thanks guys for reading this. Thanks guys for being part of indie dogs community.
I urge all you to keep showing love to dogs in your community, and most important - take strong stand if someone does harm to dogs or any animal in your community.
Risk Appetite- Aggressive
Horizon – 10yr
Allocation – 29% in nifty50, 21% in next50, 19% in mid cap, 17% in small cap, 15% in flexi cap
Why These Funds – To cover most of market in decent ratio.
App Used – MFUonline.com
Been setting this up over the past few weeks and want genuine feedback before I get too comfortable with it.
The Setup:
₹1L/month split equally into HDFC and ICICI liquid funds. From there weekly STPs fire automatically into equity funds via MFUtility.
From ICICI liquid:
From HDFC liquid:
Why not ETF for Nifty 50 and Next 50:
Why liquid fund parking instead of direct SIP:
Emergency access built in: SEBI mandates ₹50K instant redemption from each liquid fund. So I have ₹1L accessible within few minutes across two AMCs without touching equity at all. The dual AMC split wasn't just for diversification — it means even if one AMC has a system issue on a bad day, the other ₹50K is still accessible.
Why the escalating amounts (7100→7400): Each weekly STP fires a slightly different amount so I can instantly identify in my statement which week processed and which didn't. No date cross-referencing needed. ₹100 difference costs nothing but makes reconciliation trivial.
Allocation breakdown: Nifty 50 (29%), Nifty Next 50 (21%), Flexi Cap (15%), Mid Cap (18%), Small Cap (17%)
Investment horizon: 4.5 years accumulation, potentially 10 year hold.
Few grey areas:
Want feedback from people who have thought about structure not just fund selection. Fund selection is also decent, since there is no right fund, i went with top AMC and all areas of market.
I used AI to help articulate these thoughts clearly. Every decision, number, and reasoning in this post is purely mine. I created system first, write it later for this post.
Risk profile : High.
Investment Horizon- 5 yr,
holding horizon - 10 year.
Been setting this up over the past few weeks and want genuine feedback before I get too comfortable with it.
The Setup:
₹1L/month split equally into HDFC and ICICI liquid funds. From there weekly STPs fire automatically into equity funds via MFUtility.
From ICICI liquid:
From HDFC liquid:
Why not ETF for Nifty 50 and Next 50:
Why liquid fund parking instead of direct SIP:
Emergency access built in: SEBI mandates ₹50K instant redemption from each liquid fund. So I have ₹1L accessible within few minutes across two AMCs without touching equity at all. The dual AMC split wasn't just for diversification — it means even if one AMC has a system issue on a bad day, the other ₹50K is still accessible.
Why the escalating amounts (7100→7400): Each weekly STP fires a slightly different amount so I can instantly identify in my statement which week processed and which didn't. No date cross-referencing needed. ₹100 difference costs nothing but makes reconciliation trivial.
Allocation breakdown: Nifty 50 (29%), Nifty Next 50 (21%), Flexi Cap (15%), Mid Cap (18%), Small Cap (17%)
Investment horizon: 4.5 years accumulation, potentially 10 year hold.
Few grey areas:
Want feedback from people who have thought about structure not just fund selection. Fund selection is also decent, since there is no right fund, i went with top AMC and all areas of market.
