need guidance on mutual funds in a portfolio

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Deal Lieutenant
kukdookoo

For individual A
Mirae Asset Emerging Bluechip
UTI Nifty Index Fund
Axis Bluechip
Axis Flexicap
Mo N100 FoF

For individual B
Mirae Asset Emerging Bluechip
UTI Nifty Index Fund
MO S&P 500
MO N100 FoF
PPFAS

all are direct and growth plan. holding period is 7-10 years atleast. investing thru sip and lumpsum, if allowed by the amc

- Are the funds okay?  is this much overlap okay?

-For B, does it make sense to stop sip’s in PPFAS for the time being as old investors will get hurt since 35% international exposure will be decreased.

@Maverickz @bikidas2060 @guest_999 @malikcool @Ramta_Jogi @Sudarshan61 @andromeda @MrKool_JJ @jaybro @panchabhut @Tanmayyy @EkdamSastaRaju @raghupro @Mayavi @azzuridd @decideaim @getready @LIMBO @Ash-D

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Deal Cadet Deal Cadet
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Mon100, you can purchase etf directly in the exchange. why fof? why pay extra comission?

instead of uti mutual fund, you can nifty bees etf direct which has less expense ratio and few advantages over mutual funds?

PPFAS – as it is reducing international exposure, i believe that the returns will be less than the current CAGR


Deal Cadet Deal Cadet
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You can add etfs

nifty bees, junior bees, mon100, netfmedmid150 using sip. if you need banking exposure, you can bankbees and for gold, you can add goldbees or icicigold





Deal Subedar Deal Subedar
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We have been talking about this since the past one year. Your plan never even takes off so what’s the use to start with it all over again……..

Critic Critic
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Ramta_Jogi wrote:

We have been talking about this since the past one year. Your plan never even takes off so what’s the use to start with it all over again……..

@kukdookoo
Bhai baatein karte rehne kaa kaam politicians kay pass rehne do aur aankh band karkay apni iss list mein sey 2-3 MF select karkay pehle invest karno start kar do aur phir 5-6 months kay baad sochna ki kya change karna hai.

Deal Subedar Deal Subedar
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Funds are over lapping too much 

Portfolio should have at least a  mix of these plans 

1 Index Plan 

1 overseas plan 

1 or 2 Mid/Small/Flexi/Multi Plan 

1 quant plan 

Deal Lieutenant Deal Lieutenant
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Ramta_Jogi wrote:

We have been talking about this since the past one year. Your plan never even takes off so what’s the use to start with it all over again……..

Paji those threads were for my own knowledge and i am investing slowly and steadily.
This is for my cousin and his newly wed as they wanted to start their investment journey. @guest_999

Deal Lieutenant Deal Lieutenant
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EkdamSastaRaju wrote:

Funds are over lapping too much 

Portfolio should have at least a  mix of these plans 

1 Index Plan 

1 overseas plan 

1 or 2 Mid/Small/Flexi/Multi Plan 

1 quant plan 

Paji which funds are overlapping?will check them thoroughly again
Besides overlap, is this portfolio of index, large, large and midcap, flexi and international fund good

Deal Lieutenant Deal Lieutenant
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ConfirmPassword wrote:

Mon100, you can purchase etf directly in the exchange. why fof? why pay extra comission?

instead of uti mutual fund, you can nifty bees etf direct which has less expense ratio and few advantages over mutual funds?

PPFAS – as it is reducing international exposure, i believe that the returns will be less than the current CAGR


In ppfas the old investors will pay for the changes in allocation.and yes the return will reduce.is it recommended to stop sip in it all together or reduce it and adjust with index fund?

Deal Subedar Deal Subedar
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kukdookoo wrote:

Paji which funds are overlapping?will check them thoroughly again
Besides overlap, is this portfolio of index, large, large and midcap, flexi and international fund good


Mirae Asset Emerging Bluechip
UTI Nifty Index Fund
Axis Bluechip




MO S&P 500
MO N100 FoF
PPFAS

Deal Captain Deal Captain
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the problem with mutual funds is the overlap – If I could suggest – just go with a nifty index fund and maybe a small cap fund… 

saying that - PPFAS Long Term Equity fund has always done well for me…

Mirae Asset Emerging Bluechip – has done well too – but with index nifty it has 25 stocks (or 46% stocks in commons)

you can use this to check portfolio overlap : http://www.thefundoo.com/Tools/PortfolioO...ap

Deal Cadet Deal Cadet
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ConfirmPassword wrote:

Mon100, you can purchase etf directly in the exchange. why fof? why pay extra comission?

instead of uti mutual fund, you can nifty bees etf direct which has less expense ratio and few advantages over mutual funds?

PPFAS – as it is reducing international exposure, i believe that the returns will be less than the current CAGR


In long term, ETF vs MF doesn’t matter much as there difference will be small right

Deal Cadet Deal Cadet
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MrMonkey wrote:

In long term, ETF vs MF doesn’t matter much as there difference will be small right

expense ratio is less in etf when compared to mf and liquidity in etf is high

simple rule, if you invest in any mutual fund.. you are the cash cow for the amc and fund manager.

Invest only in etfs and index funds (less expense ratio)

Critic Critic
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kukdookoo wrote:

Paji those threads were for my own knowledge and i am investing slowly and steadily.
This is for my cousin and his newly wed as they wanted to start their investment journey. @guest_999

Bhai investment journey start karne sey pehle hee jhujhunwala banaoge kya unko, thodi galti toh starting mein karna must hota hai to learn from mistakes. Koi bhi 2-3 top rated MF lekar start karwa do unki SIP.

Shopping Friend Shopping Friend
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ConfirmPassword wrote:

You can add etfs

nifty bees, junior bees, mon100, netfmedmid150 using sip. if you need banking exposure, you can bankbees and for gold, you can add goldbees or icicigold





I stopped my juniorbees sip as nifty next 50 has now started adding stocks like paytm and zomato to itself. Also nifty next 50 hasnt been able to beat nifty 50 in last 6 years.

Maybe consider this before investing in juniorbees

Deal Cadet Deal Cadet
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adrishya wrote:

I stopped my juniorbees sip as nifty next 50 has now started adding stocks like paytm and zomato to itself. Also nifty next 50 hasnt been able to beat nifty 50 in last 6 years.

Maybe consider this before investing in juniorbees

Thanks. I will have a look at rolling returns and exit my position in nifty next 50.
Even i feel the same.

Deal Lieutenant Deal Lieutenant
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EkdamSastaRaju wrote:


Mirae Asset Emerging Bluechip
UTI Nifty Index Fund
Axis Bluechip




MO S&P 500
MO N100 FoF
PPFAS

Mirae Asset Emerging Bluechip
UTI Nifty Index Fund
Axis Bluechip


MO S&P 500
MO N100 FoF
PPFAS

paji you are right many companies are overlapping in the funds that you have mentioned but the category of funds is different like index funds, large cap etc. isn’t this much overlapping okay or it should be straightaway zero overlap?

Deal Lieutenant Deal Lieutenant
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azzuridd wrote:

the problem with mutual funds is the overlap – If I could suggest – just go with a nifty index fund and maybe a small cap fund… 

saying that - PPFAS Long Term Equity fund has always done well for me…

Mirae Asset Emerging Bluechip – has done well too – but with index nifty it has 25 stocks (or 46% stocks in commons)

you can use this to check portfolio overlap : http://www.thefundoo.com/Tools/PortfolioO...ap

paji in general how much overlap is ok in a portfolio?

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