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WobblyMarshmallow
WobblyMarshmallow
Stealth

Risk Appetite in MFs

Hi folks, Wanted to know how much you guys have lost in Mutual Funds over your investing span? Saw loads of stories of upsides however would love to hear how risky these could be just to keep myself calm and composed incase such a correction happens.

17mo ago
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ZoomyMuffin
ZoomyMuffin
Stealth17mo

We need to see a drastic Equity down market ASAP!

The current dream run is misguiding today's new investors about Equity asset class and risks. Drawdowns have gotten so rare, it really feels like a dream.

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

Yes, actually waiting for the Euphoria to pass. Have lost money in markets before so waiting for it as well. How are you shaping your portfolio for 2024?

ZoomyMuffin
ZoomyMuffin
Stealth17mo

Waiting with a lot of dry powder

WigglyBagel
WigglyBagel
Stealth17mo

If you invest for a 15 year duration, then you will never loose money. MFs are a game of patience.

MagicalPancake
MagicalPancake
Phyllo17mo

Have you done it? Is it from experience or theory?

WigglyBagel
WigglyBagel
Stealth17mo

Done it and still doing it.

PerkyPotato
PerkyPotato
Uber17mo

Drawn down by 40% during COVID. Still stuck around and doubled money.

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

Consider COVID is a very rare occurrence, what should we expect on an average dip?

SillyMochi
SillyMochi
Stealth17mo

Mutual fund investments are subjected to market risks, please read the offered documents carefully before investing. Jaan hit me jaari

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

Haha!

BouncyQuokka
BouncyQuokka
EXL17mo

My dad was not aware of MFs in 2008, he did a lump sum investment in reliance mutual fund(now Nippon) for a mere Rs 4000 It is now worth ~1.2 lakh That's 26x in 15 years

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

That’s insane!

JumpyPenguin
JumpyPenguin
Jio17mo

Shouldn't be losing money if your outlook is to stay invested for the long term.

I'm personally sitting at a XIRR of 28% since before COVID. invested heavily during COVID collapse.

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

Got it, thanks man!

FluffyCupcake
FluffyCupcake
Amazon17mo

All those started their investing journeys before covid must have witnessed 20-30% drawdowns. The downside protection in MFs is not very high against index.

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

Agreed, how do you hedge the risk?

SparklyNugget
SparklyNugget
Google17mo

Investing for past 2-3 years, have around 28% returns

WobblyMarshmallow
WobblyMarshmallow
Stealth17mo

I think this is exactly the kind of cases I want to avoid because it paints a false narrative of high profits in my mind.
Would want to be cautious at this time.

PerkyDumpling
PerkyDumpling
Stealth17mo

I started in 2015 haven't seen bear market much myself.

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