Share Your Ideal Mutual Fund Portfolio
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Share Your Ideal Mutual Fund Portfolio 📈
Like this :
1. Fund 1 (50%) : SIP
2. Fund 2 (50%) : Lumpsum
You can add any relevant info also.
Share Your secret mutual fund Tips , Strategies etc.
Let's start. 🔥
Make this thread informative.
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Lol. But there is many reddits & fb groups , forums where people share their mf portfolios.
You can have 20% xirr & have holding of Rs 5000. So it doesn't matter until you share your amount. Deleting xirr from thread still. Now enjoy 😁
I can generate close to 30 -40% but that it too much risk with my huge capital .I am happy if I can generate 17% xirr in long run (10-20) years
I am sharing my elss fund as this is purely for tax saving (80c). I have invested in it for 2 years.
@Watcher . Please start by sharing your portfolio.
Really good return 👍
@Watcher nothing is an ideal MF portfolio.
1. Each person is unique . His risk tolerance and needs are different and any investment advice needs to be tailored to an individual investing preferences / his risk taking ability & his requirements .
2. The shorter the time frame of Investment - The more conservative portfolio you require . The older you get and required a fixed assured income the lesser of the equity investments and more debt investments you make
3. You cannot have unrealistic expectation from MF . The expectation on a long run needs to be to beat the representative index & generate higher returns than the index you are comparing with ( Generating Alpha )
4. Initial analysis could take a simple tool like Money Control MF perfomance tracker : https://www.moneycontrol.com/mutual-funds/perfo...
5. Based on the initial perfomance tracker shortlisted funds you can used Rolling Returns calculator https://www.rupeevest.com/Mutual-Funds/Rolling-... to remove the time bias of a simple performance tracker and ensure the selected fund is perfoming well irrespective of the period and guage what would be average returns you can expect over your invest horizon ( 1 / 3 / 5 / 7 / 10 years ) .
6. Avoid investing all in the single fund house. Diversify your funds as same fund house many a times tend to invest in the similar set of stocks which should be avoided as much as possible . Also loading everything into Small Caps or only Large Caps are really bad choices. Diversify your basket of funds to ensure that has a mix of different kind of funds.
8.Thematic / Sectoral Funds - I tend to avoid them as on long term ie 3 to 5 years I do find them to deliver lower returns than MidCap / Multicap / Small Cap funds. It can give exponential returns for a couple of years and be completely dud in the next 2 to 3 years so timing these thematics is not my cup of tea. But if you are into Short Term and know the industries well you could possibly invest in specific thematic funds
7. Review the MF portfolio after 1 to 2 years depending on the time horizon of your investment .
Based on the last review I did at the end of Jan below is my portfolio and a bit of the logic of Investing . Based on my age / risk taking ability / fund requirement I am looking at capital appreciation on the long term
Hybrid Funds ( Mildly Aggressive )
1 .Kotak Multi Asset Allocator Fund of Fund ( Rationale : CAGR over the long terms equal to the NIFTY / BSE CAGR with low risk as portfolio is diversified into various assets classes Gilt / Gold / Bonds / Shares / NASDAQ )
https://www.kotakmf.com/mutual-funds/fof-funds/...
2. Quant Multi Asset Fund ( Similar to Kotak but as a typical Quant Fund comes with more aggressive equity allocation )
https://www.valueresearchonline.com/funds/954/q...
Moderately Aggressive Funds
1. SBI Contra Fund - Investing contrarian to the Market . Proven returns over the last 5 years
https://www.sbimf.com/sbimf-scheme-details/sbi-...
2. Parag Parikh Flexi Cap Fund - The fund which needs no mention . Parag Parikhs flagship product the AUM speaks for itself . One of the most transparent fund houses and the reputation and its returns over the long term speaks for itself. The caps on the foreign holdings and its massive fund size have been kind of reflective in the not so spectacular growth in the last 3 years but it is still performing very good over long terms so a no brainer
https://amc.ppfas.com/schemes/parag-parikh-flex...
Aggressive Funds ( Sorted Ascending to Descending in aggressive nature of investments )
1. Bank of India ELSS Tax Saver - Good Returns on a longer term with Tax Benefits. There may be some other funds houses with equally attractive Tax Saver funds but to me it seemed equally good option .
https://www.boimf.in/products/equity-funds/bank...
2. Kotak Multicap Fund - A good multicap fund performing over the last 2 to 3 years . Again it is a personal choice you can go with Large & Mid Cap but honestly Multi & Flexi Cap are generally 70 % to 80 % Large & MidCap and remaining Small Cap so going with a Multi Cap fund made more sense to me . Again there could be some similar funds which you would like to invest
https://www.kotakmf.com/mutual-funds/equity-fun...
3. Motilal Oswal Mid Cap fund - Typically on a longer runs of 5 to 10 years Midcaps have been proven performers. And Motilal Oswal Mid Cap has over the long run been a good performer . No brainer investment if Investment Horizon is 5 years or above
https://www.motilaloswalmf.com/mutual-funds/mot...
4. Quant Quantamental Fund - Uses derivatives for its Equity positions as a measure to cover portfolio risks . This strategy of factor based investing plus using derivates to hedge risk has proven itself in the last 3 years .
https://www.valueresearchonline.com/funds/41450...
5.Quant Momentum Fund - Factor based investing. Fairly new but seeing the quant performance in bull markets , I have taken a position in this one . Also momentum investing does involve picking winners and rebalancing to ensure lower risks but again not sure if this fund will make the cut in my portfolio next year / 2 years down the line .
https://www.valueresearchonline.com/funds/43882...
6. Quant Small Cap : One Small Cap fund must be in ones portfolio. On large tenures like 5 years to 10 years Small Caps provide more returns than any other schemes. And while Nippon Small Cap and Quant were the two competitors Quant Small Cap is what I choose this year as I guess was not comfortable with the AUM of Nippon Small Cap
https://www.valueresearchonline.com/funds/17366...
Honorable mentions which did not make to my list this year but can be checked as well apart from any of the funds mentioned above
1. If you are looking for an all weather Thematic Fund especially in falling markets consumer goods fund perform the best
https://www.valueresearchonline.com/funds/10590...
2. For aggressive ETF replicating Indices with backtracked data Mirae Asset MidSmallCap400 Momentum Quality 100 Index
https://www.miraeassetmf.co.in/mutual-fund-sche...
3. Silver / Gold ETF as a Hedge for Markets .
Coming to my average MF Portfolio Returns from 1st Feb 2024 till date for my lump sum investment if done with equal weights form 2nd Feb is 13.38% vs NIFTY 50 return 6.43% / NIFTY_MIDCAP_50 returns 9.15% / BSE Small Cap 7.39% .
The highest performance is from Motilal Oswal MidCap Fund 21.19% and lowest is from Parag Parikh Flexi Cap Direct Growth ie 8.67% during the given period .
PS : This post is directly thanks to our desi dimer @arko1983650 who mentioned in the thread that he is charging nominal amount for advice.
Mutual funds are not rocket science and if someone is promising 40% 50% returns via MFs in bull run stay away from people like this . Mutual funds averages should be viewed over 5 to 10 years period not during last 2 years or post covid in silos where markets have excelled. Also like I mentioned Thematics / Sector Specific in long term do not give exponential delta so if someone is making use of Thematics to show huge XIRR stay away
Avoid these so called investment gurus and do your own research while investing . MFs are not Stocks that you need to pay money for advise.
This is correct, each people need different type of portfolio allocation ,so who will give advice which takes time for free. See in my advice i never promise 40-50% ,my advice is 14%xirr in long run. without proper guidance it is even hard to generate that. Some of the funds you mentioned I am not supportive except the part about Thematic / Sectoral Funds in which you are correct.
@arko1983650 they wanna excite you n me for the formula of perseverance and research...
goodbye forever from this topic...
My XIRR for the entire portfolio is slightly above 25%. It's made up of two index funds (NIFTY50, NIFTYNEXT50), one mid-cap, one small-cap, one ELSS, a short-term debt funds with STP into an actively managed fund, and two inactive US FoF (NASDAQ100, S&P500)
I can also show xirr. but i dont advertise it nor boost. This is from my wife portfolio which I manage. I rebalanced the portfolio as it was not generating much approx. 12% now in 1 year it is above 20 % xirr . this is experience and knowledge.
I'm a mutual fund distributor. Some things I follow/tell my clients.
1. You don't need more than 2 mutual funds. Anyone who suggests more funds is just gambling because one of those funds at any time will give good returns so the advisor can be safe.
2. International funds are not recommended unless your portfolio is several crores and certainly not for retail investors.
3. Mid cap is safer than small cap and comparable returns.
4. You and I may have invested in same fund for 10 years but still our returns could be drastically different.
5. SIP is not an investment strategy. It's just for convenience.
6. If you don't know where to invest then invest in index funds. But don't chose funds based on Google or social media.
7. Don't believe XIRR of one's portfolio posted on social media. How many years the XIRR is calculated is what matters.
8. Experience is more imp than knowledge in markets. This was said by late Parag Parikh.
So you are recommending one index + one midcap right?
I think in long run index performs better in most cases like 10-20-30 years. Fund manager cannot beat the index even for midcaps also I think. All your short term huge gains will evaporate in long run , providing a average index return or lower.
Also I agree with you that midcap > smallcap. People run after smallcap seeing huge return in short term but they also mitigated giving a average return in long term , even lower than midcap. Smallcap is the best as satellite portfolio if you can time the market.
Looking at some popular funds , fund managers can not be the winner every year.
smallcap is king if you know how to rebalance portfolio and understand market (bullrun , bear market). I bought my shop worth 70 lakhs and majority was funded by rebalancing my large cap index into smallcap for 6 months and returns were very high compared to largecap index.
my view mix of everything large/midcap/small is good. ratio depends on age.
Is it worth to Invest 5 lakhs in Gold ETF ?
@Watcher nothing is an ideal MF portfolio.
1. Each person is unique . His risk tolerance and needs are different and any investment advice needs to be tailored to an individual investing preferences / his risk taking ability & his requirements .
2. The shorter the time frame of Investment - The more conservative portfolio you require . The older you get and required a fixed assured income the lesser of the equity investments and more debt investments you make
3. You cannot have unrealistic expectation from MF . The expectation on a long run needs to be to beat the representative index & generate higher returns than the index you are comparing with ( Generating Alpha )
4. Initial analysis could take a simple tool like Money Control MF perfomance tracker : https://www.moneycontrol.com/mutual-funds/perfo...
5. Based on the initial perfomance tracker shortlisted funds you can used Rolling Returns calculator https://www.rupeevest.com/Mutual-Funds/Rolling-... to remove the time bias of a simple performance tracker and ensure the selected fund is perfoming well irrespective of the period and guage what would be average returns you can expect over your invest horizon ( 1 / 3 / 5 / 7 / 10 years ) .
6. Avoid investing all in the single fund house. Diversify your funds as same fund house many a times tend to invest in the similar set of stocks which should be avoided as much as possible . Also loading everything into Small Caps or only Large Caps are really bad choices. Diversify your basket of funds to ensure that has a mix of different kind of funds.
8.Thematic / Sectoral Funds - I tend to avoid them as on long term ie 3 to 5 years I do find them to deliver lower returns than MidCap / Multicap / Small Cap funds. It can give exponential returns for a couple of years and be completely dud in the next 2 to 3 years so timing these thematics is not my cup of tea. But if you are into Short Term and know the industries well you could possibly invest in specific thematic funds
7. Review the MF portfolio after 1 to 2 years depending on the time horizon of your investment .
Based on the last review I did at the end of Jan below is my portfolio and a bit of the logic of Investing . Based on my age / risk taking ability / fund requirement I am looking at capital appreciation on the long term
Hybrid Funds ( Mildly Aggressive )
1 .Kotak Multi Asset Allocator Fund of Fund ( Rationale : CAGR over the long terms equal to the NIFTY / BSE CAGR with low risk as portfolio is diversified into various assets classes Gilt / Gold / Bonds / Shares / NASDAQ )
https://www.kotakmf.com/mutual-funds/fof-funds/...
2. Quant Multi Asset Fund ( Similar to Kotak but as a typical Quant Fund comes with more aggressive equity allocation )
https://www.valueresearchonline.com/funds/954/q...
Moderately Aggressive Funds
1. SBI Contra Fund - Investing contrarian to the Market . Proven returns over the last 5 years
https://www.sbimf.com/sbimf-scheme-details/sbi-...
2. Parag Parikh Flexi Cap Fund - The fund which needs no mention . Parag Parikhs flagship product the AUM speaks for itself . One of the most transparent fund houses and the reputation and its returns over the long term speaks for itself. The caps on the foreign holdings and its massive fund size have been kind of reflective in the not so spectacular growth in the last 3 years but it is still performing very good over long terms so a no brainer
https://amc.ppfas.com/schemes/parag-parikh-flex...
Aggressive Funds ( Sorted Ascending to Descending in aggressive nature of investments )
1. Bank of India ELSS Tax Saver - Good Returns on a longer term with Tax Benefits. There may be some other funds houses with equally attractive Tax Saver funds but to me it seemed equally good option .
https://www.boimf.in/products/equity-funds/bank...
2. Kotak Multicap Fund - A good multicap fund performing over the last 2 to 3 years . Again it is a personal choice you can go with Large & Mid Cap but honestly Multi & Flexi Cap are generally 70 % to 80 % Large & MidCap and remaining Small Cap so going with a Multi Cap fund made more sense to me . Again there could be some similar funds which you would like to invest
https://www.kotakmf.com/mutual-funds/equity-fun...
3. Motilal Oswal Mid Cap fund - Typically on a longer runs of 5 to 10 years Midcaps have been proven performers. And Motilal Oswal Mid Cap has over the long run been a good performer . No brainer investment if Investment Horizon is 5 years or above
https://www.motilaloswalmf.com/mutual-funds/mot...
4. Quant Quantamental Fund - Uses derivatives for its Equity positions as a measure to cover portfolio risks . This strategy of factor based investing plus using derivates to hedge risk has proven itself in the last 3 years .
https://www.valueresearchonline.com/funds/41450...
5.Quant Momentum Fund - Factor based investing. Fairly new but seeing the quant performance in bull markets , I have taken a position in this one . Also momentum investing does involve picking winners and rebalancing to ensure lower risks but again not sure if this fund will make the cut in my portfolio next year / 2 years down the line .
https://www.valueresearchonline.com/funds/43882...
6. Quant Small Cap : One Small Cap fund must be in ones portfolio. On large tenures like 5 years to 10 years Small Caps provide more returns than any other schemes. And while Nippon Small Cap and Quant were the two competitors Quant Small Cap is what I choose this year as I guess was not comfortable with the AUM of Nippon Small Cap
https://www.valueresearchonline.com/funds/17366...
Honorable mentions which did not make to my list this year but can be checked as well apart from any of the funds mentioned above
1. If you are looking for an all weather Thematic Fund especially in falling markets consumer goods fund perform the best
https://www.valueresearchonline.com/funds/10590...
2. For aggressive ETF replicating Indices with backtracked data Mirae Asset MidSmallCap400 Momentum Quality 100 Index
https://www.miraeassetmf.co.in/mutual-fund-sche...
3. Silver / Gold ETF as a Hedge for Markets .
Coming to my average MF Portfolio Returns from 1st Feb 2024 till date for my lump sum investment if done with equal weights form 2nd Feb is 13.38% vs NIFTY 50 return 6.43% / NIFTY_MIDCAP_50 returns 9.15% / BSE Small Cap 7.39% .
The highest performance is from Motilal Oswal MidCap Fund 21.19% and lowest is from Parag Parikh Flexi Cap Direct Growth ie 8.67% during the given period .
PS : This post is directly thanks to our desi dimer @arko1983650 who mentioned in the thread that he is charging nominal amount for advice.
Mutual funds are not rocket science and if someone is promising 40% 50% returns via MFs in bull run stay away from people like this . Mutual funds averages should be viewed over 5 to 10 years period not during last 2 years or post covid in silos where markets have excelled. Also like I mentioned Thematics / Sector Specific in long term do not give exponential delta so if someone is making use of Thematics to show huge XIRR stay away
Avoid these so called investment gurus and do your own research while investing . MFs are not Stocks that you need to pay money for advise.