Investment Advice Needed

177°
Deal Subedar
sushrutji29544
Hi dimers,
Market is loosing strength, my stock portfolio came at +1% from high of +12%.
Should I invest lumpsum or SIP in mutual funds or etfs, if yes then what are the better options in large, mid and smallcap funds rightnow.. timeFrAme is not a barrier for me, whatever I will invest is for 10+ or even more years. Pls suggest.
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29 Comments  |  
11 Dimers
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Cool Cool
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Me too also face this situation I invested in  last three years ago.

Deal Newbie Deal Newbie
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IMG-20240709-WA0007



Deal Newbie Deal Newbie
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IMG-20240709-WA0009IMG-20240709-WA0009

Deal Newbie Deal Newbie
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Mirae asset large & midcap growth direct plan
Deal Subedar Deal Subedar
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Bro.. this fund is giving lower than Category average. Invested from last 8 years.. planning to move to another fund.

Finance Mentor Finance Mentor
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In the same boat. I made huge lumpsum the month before last month and decent lumpsum at the start of this month. Now the nav is considerably lower than both.

All short term investments in stocks are in red by 2 digits. Stock Portfolio of 4 years is almost at 4%. It is hurtful to even see it.
Deal Subedar Deal Subedar
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Same bhai

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Deal Subedar Deal Subedar
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Unity bank gives 9% for 1001 days cumulative so per year/compounded interest rate comes to around 10.1%, you can either go via Stable money or open up a savings account if it has branch in your area.

Similarly, North East SFB bank gives 9% and third best is Suryoday SFB which gives 8.65% for 2yrs 2days

Deal Subedar Deal Subedar
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Already done FDs through stable money and wint wealth for next 3 years.. but want to invest something in equity markets as well for better returns

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Deal Subedar Deal Subedar
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also stocks/MFs are not to be monitored regularly as it will affect your mental health and even cause heart attacks 😃

Deal Cadet Deal Cadet
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If your goal is 10 yrs why are you worried now about dip in returns.

Deal Subedar Deal Subedar
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Not exactly worried, but just thinking what if I kept adding quantities in dips in individual stocks and then somehow any stock crashed in future then my overall portfolio will be doomed. So I want to invest in MFs as well to utilise this dip opportunity

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Deal Cadet Deal Cadet
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Well I closed(my brother made me do it 😇) all my short-term investments before market will fall based on Iran war news and I still have strong portfolio.. Absolute took a hit by approximately 1% only.

1000061359

Deal Cadet Deal Cadet
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Why is your brother influencing your investments you should take your own decisions
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Deal Newbie Deal Newbie
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Ok then invest in automobile industry MF I have some MF details

Deal Subedar Deal Subedar
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I am a value investor, investing from 2018 mainly in the index fund (Nifty 50) and I change my equity and debt portfolio based on market valuation.

In my experience the market is in the overvalued zone (23.33 P/E , and approx 1.5 MCap/GDP). I expect the market to grow at the rate of GDP in the long run. As the market is overvalued even if GDP grows at 14-15 %, because earning was growing approx 18-19% from the last 5 years, I don't expect much growth in index from here. Either market will wait for GDP to catch or fall.

Cheap valuation of China also attracts FIIs towards china. So overall I am maintaining 70-30 ration on equity and debt. With a bearish or sideways look for the next 4 to 5 years.

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