sarainfo12
TF Premier
In that case who trades , demat is best then .
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Building a Solid Equity Mutual Fund Portfolio
- Thread starter fradela
- Start date
It's best!!!
Coin us the best place to buy MF.
Reason is your MF will be in your DEMAT.
Earlier I also invested in various platforms and folio was allocated.... It's not easy to update address or mobile etc. 😤😤
And moreover it was very hard to keep track of every MF.😞😞
Now since everything is linked to Demat. So in Zerodha Demat statement you will know everything!! And you have to update your details at one place and it will be reflected everywhere!!😊😊
Really liked it!! Infact I remember I was paying Rs.50 as monthly charges for using Coin few years back. Still it was worthy!!😄😄😄
Pradumya
TF Ace
Now it's pretty easy for SoA funds bcz of MF central.
cardio_guy
TF Ace
Well written article. Simplest and best strategy.
I'm also a strong proponent of this idea mentioned in the post. It looks like I read my own reflection. You really made my day. Thanks a ton.
I'm also a strong proponent of this idea mentioned in the post. It looks like I read my own reflection. You really made my day. Thanks a ton.
I will suggest to include one multi asset fund category fund in portfolio for True diversification across different Asset classes rather than within Equity (Large/Mid & Small0. Some good options include Nippon Multi Asset, Kotak Multi Asset funds, this funds invest in Equity + Bullions (Gold/Silver) + Reits.
This funds are different from Flexi Cap or Multi cap funds which invest within Equity category.
Experts' opinion welcomed 🙂
This funds are different from Flexi Cap or Multi cap funds which invest within Equity category.
Experts' opinion welcomed 🙂
My take on investing in MFs via Demat or Direct AMC/MF Platforms (Kuvera/MFCentral):-
- Personally I prefer not to invest via Demat since you get locked to the particular broker forever till invested. MF Units bought through broker cannot be transacted outside broker platform.
- If Demat broker introduce any fees for MF/increase AMC charges in future we may not have any other option but to continue with revised fees or otherwise unwillingly sell all the holdings to exit the broker platform.
- If the broker platform is down due to any tech reasons (more frequent news of such glitches) you will have no option to play buy/sell on that particular day.
If invested directly with AMC/MF Platforms without Demat, we always have option to transact from any of the other MF platform or even directly with AMC in future without dependency with one platform in future.
I could be right or wrong in some of my points above, experts' opinion welcomed 🙂
- Personally I prefer not to invest via Demat since you get locked to the particular broker forever till invested. MF Units bought through broker cannot be transacted outside broker platform.
- If Demat broker introduce any fees for MF/increase AMC charges in future we may not have any other option but to continue with revised fees or otherwise unwillingly sell all the holdings to exit the broker platform.
- If the broker platform is down due to any tech reasons (more frequent news of such glitches) you will have no option to play buy/sell on that particular day.
If invested directly with AMC/MF Platforms without Demat, we always have option to transact from any of the other MF platform or even directly with AMC in future without dependency with one platform in future.
I could be right or wrong in some of my points above, experts' opinion welcomed 🙂
this is indeed correct
fradela
TF Premier
Again all these Multi Asset funds are Active Funds. These funds have high expense ratio.
For example, Expense ratio of Kotak Multi Asset fund is 1.73 %.
Index funds are very low expense ratio.
For example, Expense ration of HDFC Sensex Fund is 0.20 %
We should invest individually invest Equity, Gold, and Debt Mutual Funds.
Asset allocation should be in your control.
Once in year, we should do the Asset Allocation.
In this post I talk only about Equity. We can't invest 100 % in Equity.
My suggestion 50 to 70 % in Equity. Depends on risk appetite and age.
Agree to some extent but am not sure for which fund you are getting the expense ratio as 1.73% (may be regular plan)
For both the funds mentioned, TER is 0.3% which is quite low for an Active fund to hold. Sometimes during high volatility period not every individual investor will get idea how to rebalance across asset classes, so I think this category of fund is good to have when expense ratio is max .30 percent.
fradela
TF Premier
That was Regular Fund.
It is a new fund. Slowly they will increase TER.
It is your choice to go with Active Funds.
Generally People go with Index funds.
Once in a year rebalance is fine.
quant multi asset is a very old fund(10yrs+), the TER is still sub 1%
If broker introduces charges, we can move to new broker with same demat provider or by transferring to another demat provider (nsdl to csdl or vice versa). In worst case, we can sell mf and buy same mf after 2 days on another platform. There will be tax obviously. But that we will pay anyway whenever we will sell.
