Mutual Fund - Advice Needed
Hi all,
I’m a 28M earning 2L per month in a small startup in Bangalore. This is how my portfolio currently looks like. So I need some advice or opinion on the below:
- Should I stick to it or make any changes? 2 Planning to pause for a couple of months because I’m planning to resign & take a break before switching. Assuming there’s no pause and only stopping of SIPs, how will this affect my LTCG? I’ve investing since 2020.
TIA
@HolyWick How do you decide on which funds to invest. I am a beginner, haven't invested much (less than 1L)
Me too
well practically you can go with a Large cap for low risk with stability and a Small cap for high risk but "maybe" more amount of returns. Go with funds which have less expense ratio and high AUM (good volume so you can withdrawal easily). If you like mathematical explanations: focus on Alpha (outperformance), Beta (volatility), Sharpe Ratio (risk-adjusted returns), Expense Ratio (costs), and Consistency (long-term performance).
Go with direct MFs as per my experience!
Do not work much about numbers, if you are looking for quick returns, don't invest! Better to gamble them off somewhere.
Bhai startups mei paise kon dera hai
You can get rid of the tax saver fund. You don’t have to worry about LTCG unless you’re planning to withdraw any amount. It’s good to do some tax harvesting (withdrawing and reinvesting 1.25L) in this financial year if you haven’t done it.
When did you start investing in MFs? also, how come your motilal midcap fund is still positive? mine is on full blood bath🫥
