problem is stock specific portfolio are extremely risky compared to mutual funds. and as per sebi traders over long time make less returns than MF holders simply due to constant churning. it's like 30% return on 10lc is 3 lc where as 10% return on 1cr is 10lc.. that's how MF hold...
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@gsrajah9410 seems like math is not you strongest suit. 1% of 9000 is same as 1% of 3000 in 3 funds
@yashvora23 putting all into quant funds is not at a bright idea. you need to know they have similar overlap in most of the funds. you just need a quant flexi cap and rest put it into some other AMC. risk v reward is also an important factor.
@yashvora23 how many funds you got? people with more than 10 funds never make more returns than an average flexi caps
@yashvora23 too risky
@shubham94 no
Put extra 5k into flexi cap. Keep your profile simple. Two funds are enough
If you are moderate risk taker. Invest in two aggressive hybrid funds as 5 years is too short a time to turnaround incase of a fall. I will suggest Kotak Equity Hybrid fund and ICICI Pure equity and debt fund
@prasannkoli quant is no way moderate. They are highly volatile and extremely aggressive
Always keep 50% in large cap. So I would say two flexi cap, one midcap and small cap. 30-30-20-20. Keep in this ratio
@bholashankar5573 that's a poor portfolio
@vinoths1119 SBI, ICICI, absl
Use short duration debt funds. But be aware that you should invest in them when RBI reduce the interest rates
Don't listen to people saying add another small cap. You just need one more large cap biased flexi cap. HDFC flexi cap could do that
What are the returns you are expecting
@bholashankar5573 fund constitutes changes every time. It is not as they will hold on to same stocks all the timr
@bholashankar5573 you can change Nippon India large cap to hdfc flexi cap fund. Overlap will only be around 26%
@anshgarg09 here you can see the 10 yr sip returns. In this sbi small cap had decent returns only because that fund till 2016 was Sbi mid and small cap fund which was reclassified as SBI small cap fund.
@anshgarg09 above is the avg sip return itself. If you got to money control and check small cap index return till inception you can find it performed even worse that large cap. So please don't fall into skewed return Matrix shown by fund houses and youtubers. It is the reason why...
@anshgarg09 small caps are already run it's really and all extremely overvalued. It will eventually get back to its 15-18% avg returns as the market will average out the gains they made. It is why all small cap funds are planning to restrict redemption and inflows from April
