mutual fund scheme with largest share of investment

[COSMOCRAT]

Deferred tax liability is one of best reason to choose debt over FD. Tax laws can change anytime. In future, there could be favorable tax slabs and the resultant tax could be lower.

In FD, you have to pay tax every year as per the slabs.

That is why I've avoided FD so far. Don't want to deal with yearly taxation and TDS.
I choose a money market fund. It's as stable as a liquid fund with better returns and not as volatile as a corporate bond. Giving an XIRR of 8%+ currently.

 

[Cardmarvel]

Strategy is simple:

Onsite ke paise se Ghar gadi zameen direct cash deke khareed leeya tha.

When I came back to India during covid i switched job to a captive, consequently moved to a different city. Wife started asking to buy new flat but i thought (my prior experience with buying flat, also don't like debt) it will be better to rent. So I motivated her by saying that mf's are giving 20% return to get her off my neck.

If it doesn't give then she will be on my neck again... So that's the strategy i.e. i am hoping it will give 20%.

Those who started investing or did bulk of their investment post covid, they have been able to get 20% CAGR. But over long term, it will get back to 12-14% range

 

[R!ppEr]

You have a point

For me, the FD rates are as high as 8% now. I hardly know a debt MF that gives a similar return. Also, FDs have zero risk, while debt MF can have some degree of risk given that many debt MFs invest in corporate debt. Personally, the FD rates and risk factor have made FDs more attractive than debt MF for me. If indexation and keeping the LTCG would have been there, I would have tilted more towards debt funds than towards FDs

which FD is giving 8% for non senior citizen for more than 2yrs tenure? 😱

 

[R!ppEr]

Those who started investing or did bulk of their investment post covid, they have been able to get 20% CAGR. But over long term, it will get back to 12-14% range

true

 

[arko]

Those who started investing or did bulk of their investment post covid, they have been able to get 20% CAGR. But over long term, it will get back to 12-14% range

true. but when market fell If I had done lumpsum at that time(didn't have money at that time) I would have got 40%XIRR.Mine is 16.5% right now.I invested after covid market recovery.

 

[Cardmarvel]

true. but when market fell If I had done lumpsum at that time(didn't have money at that time) I would have got 40%XIRR.Mine is 16.5% right now.I invested after covid market recovery.

If you do 20% CAGR consistently, that's huge! Having been invested for nearly 2 decades now, I have more realistic expectation of 12-14%. Even that is very good and will double your money every 5-6 years.

 

[arko]

If you do 20% CAGR consistently, that's huge! Having been invested for nearly 2 decades now, I have more realistic expectation of 12-14%. Even that is very good and will double your money every 5-6 years.

I know it will normalize to 12- 14% when I retire. just saying but covid was huge opportunity. actually I was investing when market fell to 15k .but didn't have money when market hit 10k.If I had money would have invested at that time.
I invest when market is down but I know I cant time the market still my portfolio is above 1cr profit. 🙂

 

[jade]

which FD is giving 8% for non senior citizen for more than 2yrs tenure? 😱

https://www.ujjivansfb.in

they are offering 7.95% for 990 days

 

[Cardmarvel]

I know it will normalize to 12- 14% when I retire. just saying but covid was huge opportunity. actually I was investing when market fell to 15k .but didn't have money when market hit 10k.If I had money would have invested at that time.
I invest when market is down but I know I cant time the market still my portfolio is above 1cr profit. 🙂

That's the common story and for most investors. Those covid times were aberrations and hardly few would have caught the bottom. Either you are fully invested in the first 10-15% fall or you're too scared to invest when markets are down 30-40% 🙂

1cr profit is cool. What's your investment though? Is it through mutual funds or direct equity or mix of both?

 

[arko]

That's the common story and for most investors. Those covid times were aberrations and hardly few would have caught the bottom. Either you are fully invested in the first 10-15% fall or you're too scared to invest when markets are down 30-40% 🙂

1cr profit is cool. What's your investment though? Is it through mutual funds or direct equity or mix of both?

direct equity 30-40 lakh having huge loss of 17% due to nykaa
rest in mf portfolio size now above 3.5 cr
I think for normal person mf is far better than stocks.
I had awl at 350 average ....moved to 700 (didnt sell) now see result.
I have invested in small case also around 10 lakhs approx but again not huge profit here.

 

[R!ppEr]

direct equity 30-40 lakh having huge loss of 17% due to nykaa
rest in mf portfolio size now above 3.5 cr
I think for normal person mf is far better than stocks.
I had awl at 350 average ....moved to 700 (didnt sell) now see result.
I have invested in small case also around 10 lakhs approx but again not huge profit here.

nykaa is a pocket burner for many, got out of awl post listing never saw back and for me smallcases are giving ~8-10% returns on avg

 

[sky_walker_rules]

and I have one icici tech direct fund,which is consistently giving -11% since a year, dunno wat to do .. others hdfc midcap/parag flexi is giving good returns

 

[Cardmarvel]

and I have one icici tech direct fund,which is consistently giving -11% since a year, dunno wat to do .. others hdfc midcap/parag flexi is giving good returns

Last 2 years have been bit difficult. Markets made a top in Oct 2021 and since then they have been mostly range bound. Depending on when you invested, whether you did SIP or lump sum, and which stocks you invested, the returns would vary a lot. But 10% CAGR if you started in Oct 2021 or thereabout is not bad

 

[Cardmarvel]

Last 2 years have been bit difficult. Markets made a top in Oct 2021 and since then they have been mostly range bound. Depending on when you invested, whether you did SIP or lump sum, and which stocks you invested, the returns would vary a lot. But 10% CAGR if you started in Oct 2021 or thereabout is not bad

For example, an SIP into NIFTY50 TRI starting Oct 31, 2021 would have given 8.75% CAGR https://www.advisorkhoj.com/mutual-...=15-05-2023&mode=SIP&enhancement_percentage=0

Returns in NIFTY Midcap 100 would be slightly better. On the other hand, NIFTY Pharma and IT gave negative returns

 

[sky_walker_rules]

Last 2 years have been bit difficult. Markets made a top in Oct 2021 and since then they have been mostly range bound. Depending on when you invested, whether you did SIP or lump sum, and which stocks you invested, the returns would vary a lot. But 10% CAGR if you started in Oct 2021 or thereabout is not bad

its -11% for icici technology fund direct , i put much lumpsum during peak,after that doing regular SIP...its fluctuating between -8% to -14%

 

[kushhh]

What's the best nifty MF which i can consider

Both the ETFs and Mutual funds have their advantages and disadvantages. ETFs are cheaper, while MFs are organized. Trading ETFs can have associated costs, while transaction costs in MFs are zero.

More importantly, if you want to invest in active investment strategies, you only have MFs. All ETFs are passive and track an index.

 

[jade]

What's the best nifty MF which i can consider

UTI Nifty 50 has the least tracking error so it will mimic the index the best.

 

[Gabbar]

For Indian market mid cap and small cap mf can outperform index in long term (greater than 7 year). Large cap and index funds will probably give same returns.

 

[Cardmarvel]

For Indian market mid cap and small cap mf can outperform index in long term (greater than 7 year). Large cap and index funds will probably give same returns.

Do you have evidence to prove that?

 

[Gabbar]

Yes, it is qoted by parimal ade many times. He is one of talented financial expert out there.
Also you can see it here https://investyadnya.in/fund-o-meter/all