1 yr investing via advisor (regular plans). Returns lagging market.
Monthly:
₹50k expenses | ₹10k family | ₹30k SIP | ₹25k surplus (planning arbitrage)
Current SIPs (Regular Growth):
Franklin India Flexi Cap Fund – ₹5k (-3%)
SBI Consumption Opportunities Fund – ₹5k
Edelweiss Mid Cap Fund – ₹10k
Axis Midcap Fund – ₹4k
DSP Banking & Financial Services Fund – ₹3k (~11% CAGR)
Tata Multicap Fund – ₹3k
Planned (Direct Growth):
Parag Parikh Flexi Cap Fund – ₹12k
Nippon India Small Cap Fund – ₹10k
Continue Franklin India Flexi Cap Fund + DSP Banking & Financial Services Fund – ₹8k
Doubts:
Too much midcap exposure? Planning to pause some and start my own via GROWW app in direct plans. Which ones to pause and which ones to start on own?
Is advisor commission (~1–1.5%) dragging returns?
Exit underperformers now or wait (exit load/LTCG)?
Is HDFC Arbitrage Fund a good place for surplus?