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▲ 7 r/IndianMutualFunds

Confusion between 2 funds!!!

I've been doing SIPs for the last 3 years.

I started with ₹3k across 4 funds, i.e.:

Parag Parikh Flexi Cap Fund

Mirae Asset Large & Midcap Fund

Bandhan Small Cap Fund

Motilal Oswal Midcap Fund

But now I've increased my SIP amount to ₹12k and made some changes to my SIPs.

I've stopped investing in the Mirae Asset Large & Midcap Fund and the Motilal Oswal Midcap Fund. Now my SIP allocation looks like this:

PPFC – ₹3k

UTI Nifty 50 Index Fund – ₹3k

MO Midcap 150 Index Fund – ₹2k

Bandhan Small Cap Fund – ₹2k

ICICI Nasdaq 100 – ₹2k

My risk appetite is aggressive, and my investment horizon is 20 years.

I also plan to increase my SIP amount to ₹25k within a year.

What I want to ask is: Is the UTI Nifty 50 Fund okay, or should I replace it with the Nifty Next 50, which covers more of the market?

Since PPFC and Nifty 50 have overlap in large-cap holdings, I'm a bit confused.

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u/iaman10 — 1 day ago
▲ 33 r/IndianMutualFunds+1 crossposts

Investment Horizon: 10+ years
Risk Profile: Moderate
Goal: Retirement
Age: 26
SIP Amount: ₹50,000

I am a complete newbie and still learning.
Is there a lot of overlap between these funds (especially in the equity ones)?

For my 10+ year horizon and moderate‑aggressive risk profile, does this combination make sense?

Should any of these funds be changed or replaced with something better/simpler for someone like me?

u/Important_Expert_355 — 9 days ago
▲ 51 r/IndianMutualFunds+2 crossposts

22YO Long term investor. No dependency. Have 25k SIP amount a month (but nothing fixed as to where i allocate the SIP amt, which is why i want to work on this) and lumpsum amounts of approx 2-3L in the coming months. 

Investment Goal – Wealth creation

Investment Horizon – 7 years+ with no withdrawal requirements currently

Risk Appetite: Aggressive

Allocation Details – Currently able to invest ~₹25k/month via SIPs. Also expecting lump sum amounts over the next few months which can be deployed into either new funds/ETFs or restructuring the current portfolio based on feedback.

Why You Selected These Funds – Most selections were based on my understanding and knowledge at that point in time. Silver was a higher-conviction allocation after researching its long-term macro potential in detail. For ETFs/funds, I mainly considered liquidity, low expense ratios, and low exit loads while getting exposure to small cap, mid cap, and Nifty 50.

Which App Do You Use? – Coin by Zerodha and Zerodha Kite

I already know the silver allocation is highly concentrated, but I still plan to hold it due to my long-term view on silver. Other than that, what changes would you make to the portfolio? Also looking for suggestions regarding better mutual funds/ETFs and thoughts on areas like defense ETFs, US ETFs, arbitrage funds, or any other categories worth exploring for long-term allocation.

u/Sea-Day-5199 — 7 days ago
▲ 11 r/IndianMutualFunds

Please review this ETFs portfolio for investment

I wish to invest around 3 Lakh in these ETFs.. Please provide your suggestion. I have sufficient funds for emergency so I am not investing in any debt funds. Please suggest how much money I should allocation in each fund. Please give your suggestions.

  1. Edelweiss Nifty LargeMidcap 250 ETF
  2. ICICI Prudential Nifty Midcap 150 ETF
  3. HDFC Small cap 250
  4. Mirae Asset Nifty 500 Multicap ETF
  5. Nifty 500
  6. Nifty 100
  7. Nifty 50
  8. Kotak nifty alpha 50 ETF
  9. Motilal oswal SP BSE Enhanced Value ETF
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u/poodorn — 1 day ago
▲ 9 r/IndianMutualFunds+1 crossposts

What am i doing wrong here? Im 22 , mbbs student, no earnings, these are only savings from pocket money and all which ive put it all in mfs. What say anyone??

u/SimilarNebula5010 — 3 days ago
▲ 43 r/IndianMutualFunds

just started investing in mutual funds – planning long term SIP (20–30 years). Need advice on portfolio

I’m 21 and new to investing. I’ve just started building my mutual fund portfolio and plan to invest for the long term (20–30 years). My goal is retirement-focused wealth creation.
Basic details:
Age: 21
Investment Horizon: 20–30 years
Risk Profile: Moderate to aggresive
Goal: Retirement
Current SIP: ₹20,000/month
Planning to increase SIP to: ₹30,000/month over time
App used: groww
Why these funds: because of my finance bro friend
Current SIP allocation:
ICICI Prudential Nifty Next 50 Index Fund 7k
Nippon India Small Cap Fund 6k
Motilal Oswal Midcap Fund 6k
I’m okay with volatility since I’m investing for the long term and want to maximize growth.
My questions:
Is this portfolio too aggressive or reasonably balanced for my time horizon?
Should I reduce overlap or replace any fund?
Is adding a global index fund (like S&P 500 / Nasdaq) a good idea at this stage?
How should I allocate the additional ₹10k/month?
Any blind spots I should be aware of?
Would really appreciate any feedback or suggestions. Thanks in advance!

u/FairFish6722 — 8 days ago
▲ 43 r/IndianMutualFunds

Can you please review

Hi experts can you please help review my profile. These are my allocations on different caps

Risk appetite: high as I have around 50 lakhs in debt and 50 lakhs in RSUs and 15 lakhs in emergency

Investment goal: FI

Investment horizon : > 10-15 years

Allocation details: as depicted on the pic

Which app do I use: Groww

Why you selected the funds: I did some basic search

u/PuzzleheadedGene2664 — 4 days ago
▲ 5 r/IndianMutualFunds

50K SIP PORTFOLIO

My mutual fund 50K SIP portfolio:

  1. Tata arbitrage fund: 12K

  2. Axis global equity alpha FOF: 8K

  3. Nippon Nifty 500 low volatility 50 index fund: 10K

  4. Motilal Nifty midcap 150 index fund: 8K

  5. Axis Gold Fund: 4K

  6. Axis Nifty 500 quality 50 index fund: 4K

  7. Axis Nifty 500 value 50 index fund: 2K

  8. Edelweiss nifty smallcap 250 index fund: 2K

30 year old. Long term horizon. The goal is wealth creation. Risk appetite is moderate to aggressive. Using the Groww app. All the funds are direct funds.

✅ Arbitrage fund will be used only as DRY POWDER during deep corrections of at least 10-15%. And will be deployed only in midcap, smallcap and quality index funds. It will also be used in case of any emergency.

✅ Axis global equity alpha FOF for global (US specific diversification). I would like to invest in the Motilal S&P 500 index fund, but sadly that's not accepting any new inflow.

✅ Nifty 500 Factor indices for better diversification and inclusion of mid and small cap growth from nifty 500 family. Index funds in general for avoiding fund manager bias in long term. Multiple factors because they are cyclical and often rotate leadership. That smoothens the overall volatility.

✅ Smaller allocations in mid and small cap indices because I want to invest in them when they correct so much for higher XIRR.

✅ AXIS GOLD FUND for hedge.

I wanted to have non co-related assets so that my overall volatility is reduced. I expect 12-14% CAGR (1-2% extra with timely deployment of arbitrage fund) which is more than Nifty 50's 11-12% with less volatility. I expect portfolio level standard deviation to be around 10-11 (compared to nifty 50's - 13) and portfolio beta of around 0.7- 0.8 (compared to nifty 50's 1.00). Let's have some discussion.

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u/Efficient_Drink5916 — 8 days ago
▲ 1 r/IndianMutualFunds

Guys I'm very new in all this any suggestions

So I'm 21 working with my dad in family business of clothes so basically I'm saving from 2-3 yrs this investment was done by my fufaji but it's decreasing a lot I'm really concerned about my money 😔 what should I do? Plz lmk

u/LegRelevant9540 — 1 day ago
▲ 16 r/IndianMutualFunds

My Portfolio review

Suggestions will be highly appreciated. Started 5 yrs ago.

  1. Risk appetite - Moderate
  2. Investment goal - wealth creation
  3. Investment horizon - 5 yrs done + another 25 years
  4. Allocation details (sip per month) i. Mirae asset large & midcap fund direct growth - 2500 rs ii. Quantum gold savings fund direct growth - 2000 rs iii. 360 one focused fund direct growth - 3000 rs iv. DSP midcap direct plan growth - 1500 rs v. Parag parikh flexi cap fund direct growth - 3000 rs vi. ABSL large & midcap fund direct growth - 1500 rs vii. ABSL corporate bond fund direct growth - 1000 rs
  5. App I use - Groww
  6. Reason for selecting these funds and not selecting similar ones from another AMC - Judging past performance
u/OutsideCurrency1641 — 4 days ago
▲ 7 r/IndianMutualFunds+1 crossposts

Is my portfolio plan good for long term ?

I was an NRI and moved back to India about a year back. I was not that familiar with Indian Stock Market and over an year I have been learning about investing in India.

I have INR 15 Lakhs (excluding savings for regular expenses and emergency funds) that I am looking invest.

I have created an account in Zerodha and planning to invest in Mutual Funds (Direct, Growth options) through Zerodha Coin app.

I am not sure if I should do lumpsum investment or SIP investment (to average out the volatility of the market). Leaning towards SIP. Please let me know if my plan is good:

Goal: FIRE, Long Term Growth that beats Inflation.

Investment Horizon: >=5 years

Total SIP per day: INR 5000

SIP planned duration: 300 days

Total Investment: INR 15,00,000 (15 Lakhs)

  1. NIFTY 50 Large Cap Index:

Nippon India Index Fund - Nifty 50 Plan

https://coin.zerodha.com/mf/fund/INF204K01H36/nippon-india-index-fund-nifty-50-plan-direct-growth

SIP per day = INR 2000

  1. NIFTY Next 50 Index:

Edelweiss Nifty Next 50 Index Fund

https://coin.zerodha.com/mf/fund/INF754K01QL5/edelweiss-nifty-next-50-index-fund-direct-growth

SIP per day = INR 1000

  1. NIFTY Midcap 150 Index:

Nippon India Nifty Midcap 150 Index Fund

https://coin.zerodha.com/mf/fund/INF204KB18Z7/nippon-india-nifty-midcap-150-index-fund-direct-growth

SIP per day = INR 1000

  1. Fixed Income or Debt or Liquid or Money Market Fund: For diversification and as alternative to Fixed Deposits

Please suggest funds.

SIP per day = INR 1000

  1. Should I invest in Gold or Silver funds? If yes, please suggest funds. In that case I will do SIP of INR 700 per day in Gold and INR 300 per day in Silver.

(I will change my NIFTY 50 SIP allocation to INR 1000 per day instead of INR 2000 per day if I invest in Gold / Silver.)

  1. Should I consider Parag Parikh Flexi Cap Fund ? Not looking for international equity exposure as I already have investments in USD via Paasa / Interactive Brokers.

Thanks in advance.

u/KA2107 — 3 days ago
▲ 3 r/IndianMutualFunds

How do you manage goal-based mutual fund investing across family members and goals?

I have started investing into mutual funds about 4-5 months back. After reading all the posts and going through all the information available on this sub I started investing through Kuvera. I’m currently investing for my retirement through SIPs in 5 mutual funds. For simplicity, I’ve also chosen the same set of funds for my wife’s investments.

Now I’m planning to start investing for my 1 year old kid’s college education (long-term goal), and increase the amount for our retirement goals. Please see the screenshot of my current portfolio and funds/AMCs selected. I will probably include a debt fund in this and keep it simple but my question here is not about my current portfolio review.

Risk Appetite - Aggressive
Goals - Retirements, Child Education, Emergency Fund
Horizon - 15-20 years
App Used - Kuvera for SIPs, Tickertape for Analysis
Allocation Details Current -

- Emergency funds parked in FDs, That is all sorted.
- Monthly SIP - 50K (Self) see breakup in screenshot, This is towards retirement.
- Same exact set up for Wife's retirement - 50K /month in same funds in her account.
- Want to start 1 Lakh per month for Kid's education. I am already maximizing SSY.

I’m unsure whether I should:

  • Continue with the same funds across all goals (retirement + wife + child), or
  • Pick a different set of funds specifically aligned to these goals

I’m trying to understand how people approach goal-based investing in practice:

  • Do you reuse the same mutual funds across multiple goals?
  • Or do you create separate portfolios for each goal?
  • Is it better to stick to the same AMC/funds for simplicity, or diversify across AMCs and strategies?
  • How do you track and manage different goals without overcomplicating things?

Would love to hear how others structure their investments for multiple long-term goals while keeping things manageable.

Current SIP Plan

Current Portfolio

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u/thestarlord05 — 8 days ago
▲ 5 r/IndianMutualFunds

Suggestion required.

I have been putting my my money into tata tata digita india fund (Large Cap). Not sure if its a good investment. Shall I continue or is there any better option out there?

u/TemperatureSad5690 — 8 days ago
▲ 5 r/IndianMutualFunds

Needed your suggestions for my mutual fund SIP setup

i want to start an sip in mfs using soa format.

As I have read that starting an sip using any brokers force you to opt in for demat format which further creates a dependence on their software and also creates a lot of problems to convert into STP/SWP

i want the flexibility in future to convert them into STP/SWP.

I dont want to depend on any broker for buying or selling my units.

I want that i can directly pay for the units on my installment date directly via my bank account without having it to deposite at any broker wallet or anything like that.

As i dont want any technical issues/glitches not executing my order.

even while selling, i want that the transaction complete as soon as possible.

I want RELIABILITY.

i want tracking features like xirr, value, etc.

I want good UI with rich features.

 

i did some research and came out with this solution:

Use MFCentral for buying and selling units and then use Kuvera or INDmoney for tracking my investments.

 

Wanted your reviews and suggestions over this setup.

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u/JenitKothari — 8 days ago