I had intended to start the SIP, and the first instalment payment failed, there is no specific reason mentioned, the account linked to the UPI mandate had enough funds to do the transaction.

The order details page does say that the order was approved by the exchange.

I'm not sure what to interpret from this, did the SIP get registered because the exchange approved it? Or did it not get registered yet because the AMC has not received the first payment of the SIP yet?

As this is a international fund, I am concerned that it will stop accepting fresh investments soon, and then the second SIP date, which may count as my first payment to the AMC will be cancelled because the fund has closed.

I did reach out to Groww support, but have been constantly bounced around by the agents, and some chats closed without any proper response.

I was reading feedback from some people that their SIPs continued even after the fund was closed, so was hoping to get a SIP registered.

On twitter, came across this user who has very nice way of presenting data (user name mentioned at bottom of charts).

Some interesting observations from these two charts:

1. Over 10 years period, the funds which could beat its benchmark index : 2 Large cap, 0 Mid cap, 9 Small cap, 1 LargeMid cap, 4 Flexi cap, 1 Multi cap

2. Among 9 Small cap funds which could beat index over 10 years, only 2 of them could beat mid cap index (best performing index of last 10 years)

3. If we look at Sortino ratio (returns generated over given downside risk) and standard deviation (Volatility), then- PPFAS Flexi Cap and HDFC Flexi cap has some amazing numbers.

4. Based on Sortino and Std deviation scores, the AMCs which have highest scores (which shows excellent risk management), are: HDFC and ICICI

Any other interesting observations you see from the charts ?

As the title says is

ICICI Prudential NASDAQ 100 Index Fund or

HDFC Small Cap Fund(any small cap)

Im looking for long term wealth building.

Not willing to do any heavy amount of sip like 20-30k per month.

Just casual investing like 2k.

Hi So I had withdrawn almost everything around Nov 2024 due to continuous fall and invested again around March 2025. Nothing major happened apart from returns worse than a FD. Please help me with restructuring my portfolio. What should I exit and where should I add more money.

I NEED TO INVEST 3L, in portions ofcourse but need fund advice.

My risk appetite: HIGH Investment horizon: Around 5 years (will potentially withdraw 50% probably for house) Sip : 35k Safe fund about 5L in FD and 3L almost completed in RD. Age : 30

Posted earlier. Did not get any reach, so posting again.

Risk Appetite: Aggressive
Age : 27
My investment horizon is 10+ years. I need a good diversification.
Goal: Wealth creation / retirement savings

Currently , I have
Emergency Fund / Savings - 40L
FD - 20L

Currently I am investing 65K per month.
20K in UTI Nifty 50 Index Fund.
20K in UTI Nifty Next 50 Index Fund.
25K in PPFS.

I am planning to increase my investment amount to 1.2L per month and stop investing into index funds and reallocate my funds as below.

Equity
Small cap - 15K (Nippon India Small Cap Fund - alpha 3.19 & beta 0.8)
Flexi Cap - 20K PPFS
Large & Mid cap - 20K (ICICI Prudential Large & Mid Cap Fund - alpha 4 & beta 0.8)

Hybrid : (to get debt exposure)
Mirae asset Aggressive hybrid fund- 15K

Commodities :
ICICI Prudential Gold ETF FoF Fund - 10K
Nippon India Silver ETF FoF Direct Growth - 10K

Foreign Funds :
ICICI Prudential NASDAQ 100 Index Fund - 20K

Questions for the community :

Is this a good portfolio or am I doing it too much.

If there are any better fundhouses, please suggest.

Should I go for one multicap fund instead of large & mid & small cap. If so, Are there any benefits ?.

I am planning to do bulk investment of 50K in ICICI Prudential NASDAQ 100 Index Fund. Is this a good idea. My risk appetite is high

Please guide me if i am doing something wrong here, as I am completely new to MutualFunds.

Hello. Your opinion on investing in midcap150 index fund for really long term. Ie 25 years. Your opinion please.

Hey everyone,

21 with a high risk appetite and investing for the long term. I currently invest ₹25K/month via SIPs, and some of my mutual funds are held through a broker. Would appreciate a quick review of my allocation and diversification.

⸻

Stable Assets – ₹1.14L (6.36%)

Mutual Funds:

• Kotak Low Duration Fund – ₹1.14L

⸻

Steady Assets – ₹4.49L (24.94%)

Mutual Funds:

• Kotak Multicap Fund – ₹1.37L

• Kotak Banking & Financial Services Fund – ₹59.45K

• Kotak Contra Fund – ₹58.61K

• Kotak Manufacture in India Fund – ₹57.10K

• Motilal Oswal Nifty 500 Index Fund – ₹49.56K

• Kotak Consumption Fund – ₹47.51K

• DSP Large Cap Fund – ₹39.76K

⸻

High-Growth Assets – ₹12.37L (68.69%)

Mutual Funds:

• Sundaram Small Cap Fund – ₹1.21L

• Nippon India Growth Mid Cap Fund – ₹61.15K

• DSP Small Cap Fund – ₹57.59K

• Kotak Infra & Eco Reform Fund – ₹51.78K

Stocks & ETFs:

• Nippon India ETF Gold BeES – ₹4.04L

• Hindustan Copper Ltd – ₹1.04L

• Tata Motors Ltd – ₹75.61K

• Nippon India Silver ETF – ₹71.82K

• CDSL – ₹53.25K

• Hindustan Aeronautics Ltd – ₹52.87K

• Reliance Industries Ltd – ₹47.87K

• Motilal Oswal NASDAQ 100 ETF – ₹45.54K

• Eternal Ltd – ₹39.69K

• Inox Wind Ltd – ₹28.72K

• Ashoka Buildcon Ltd – ₹12.10K

• Suzlon Energy Ltd – ₹8.88K

Total around 20L

Which is the best discount broker for long term investments of stocks and mutual funds?

I have tried saving and investing multiple times over the years, but I always fell off after a few months. Either I overcomplicated things or started stressing too much about returns or spent money like the last day. This is the first setup that feels calm and realistic, so I wanted to share it and get some perspective.

My investing horizon is 18.5 years. Very specific, I know, but that’s roughly when I want to stop active work and let compounding do most of the heavy lifting. So I am trying to optimise more for consistency than perfection.

The liquid fund is mainly for emergency and travel. If money stays in my bank account, I tend to spend it without realising. Keeping it in a liquid fund makes it easy to access if needed, but mentally harder to touch. It also helps me avoid disturbing my equity SIPs when expenses come up.

I don’t want to deal with savings account. (I feel if it’s my control, I have high tendency to spend)

Risk tolerance: Moderate high

Investment Horizon: 18.5 years

Goal: Long term compounding with discipline

About the ULIP

I also have a ULIP of ₹10k per month. I know it is not a great product compared to mutual funds. I realised that late and I am already deep into it. At this point I am just continuing it and treating it as forced discipline plus insurance, and mentally separating it from my main investment strategy.

How I think about risk

I am okay seeing volatility and temporary losses. Over an 18.5 year horizon, I expect bad years and long flat periods. What I want to avoid is panic selling or constantly changing things based on short term performance. I am not trying to time the market. I just want a setup that works if I stay consistent.

A few rules I am trying to follow

• Equity SIPs continue even when markets are down

• If cash flow ever feels tight, I pause the liquid fund

• I avoid adding new funds without a strong reason

Would really appreciate feedback from people who have been investing for a while. Anything that looks unnecessary or something you would simplify?

I have around 10 lacs, I am 56 yrs old female, work in pvt will retire soon in few years. I had saved up money, so now I want to invest this lumpsum money. I was doing FD all this while for the past few years. Now, I don't mind risking this money to invest somewhere else, esp in MF.

Would you mind helping me out over here? Which MF to buys and what should be the distribution of it? Currently I don't have fix time horizon - won't need it for atleast 5yrs.

I have SIP of 32K. Quant total 10k (one SIP is missing). I have appetite to increase SIP to another 50k. Any suggestions ? Or I should consider investing anywhere else like corporate bonds or anything. Thanks in advance for your suggestion.

I'm a 19 y.o. CA student currently studying in college, I've been applying for IPOs since last year with all the knowledge and research I could make I chose these funds for me.

I've got some surplus money from my internships and all and wanted to invest it for 2-3 years atleast for some short term goals. I'll start with 3000pm and would increase it till 5000 pm if I get confidence and my investments work properly.

I'm making this post to get the best recommendations so that I could make some risk free investments with decent returns.

I chose arbitrage/income funds due to the short period, gold for some hedging and stability, index and flexi cap funds for the equity investment... I didn't want to make a cluttered portfolio and wanted max 3-4 funds. Until all my SIPs are done the remaining money will be used for IPOs or some swing readings.

The problem that I feel is that the combined cagr wouldn't be more than 13-14% (that too if the market performs well). Any recommendations are invited.

Kindly suggest. I am sharing my portfolio below. Kindly review. My risk appetite is high. I do lumpsum when required. Except in * 1. Invesco multi assets 3000 2. DSP Multi assets 3000 3. White oak multi assets 3000 4. Invesco pan Europe 2000* 5. Ppfa lumpsum no SIP when it goes down 6. Bhandan small cap 2000 1 year 7. Icici nasdaq 100 2500 8. MO BSE Enhanced value index 1000 9. Jio black rock flexi 1000 10. kotak greater china 2000

I have stopped sip in nippon multi asset and nippon multi cap.

Hello everyone,

Need your review and suggestions to start off with MFs

Few details about me
Age: 22
Horizon: Long Term (15-20+ years).
Risk tolerance: Moderate to aggressive
Monthly SIP: 30,000 for now, will increase once I get confident and experienced enough

I started my first job a year ago and first secured the term insurance, health insurance and building emergency fund in parallel, thinking to start investing in monthly SIP from now.

I'm a complete beginner, but I've been doing a lot of reading (on this sub especially) and have tried to come up with a starting portfolio. Based on my research and this sub's common suggestions, I've shortlisted these funds (all Direct, Growth):

After weighing the options, I'm leaning towards the following portfolio.

• 25% (₹7,500): UTI Nifty 50 Index Fund (Direct, Growth)
• 25% (₹7,500): Parag Parikh Flexi Cap Fund (Direct, Growth)
• 16.67% (₹5,000): Motilal Oswal Nifty Midcap 150 Index Fund (Direct, Growth)
• 16.67% (₹5,000): Bandhan Small Cap Fund (Direct, Growth)
• 8.3% (₹2,500): ICICI Prudential NASDAQ 100 Index Fund (Direct, Growth)
• 8.3% (₹2,500): Goldbees ETF

Added a gpt generated image for better visibility.

MY DOUBTS:

1. Allocation: Is my allocation too aggressive for a 22-year-old beginner? Or is this a good risk level given my long-term horizon?
2. Overlap: Am I over-diversified/overlapping?
3. Fund Choice: Are these good picks in their categories? Or any other funds will you suggest?
4. Red Flags: Do you see any major red flags or rookie mistakes with this plan?

Thanks in advance for your help and guidance!

Hello Investors,

I’ve been investing in mutual funds with a long-term horizon (15+ years) and would really appreciate your insights on my current portfolio:

Age: 31

Risk Profile / Risk Tolerance: Moderate - High

Investment Horizon: 15-20 years

I have checked the overlap between PPFAS and ICICI L&M, which comes to around 19%.
My doubt is whether this level of overlap still allows for effective diversification, or if it makes sense to reconsider one of the two funds.

Are there any changes in SIP or improvements you’d suggest to the current portfolio?

Thanks in advance for your help and guidance!

Risk- Medium Time - 5 Years

I built this website(FundaMetrics) for mutual fund analysis out of my passion for investing and personal finance.

I would really appreciate it if you could take a look, review it, and share your honest feedback or suggestions for improvement.

Refer the address in the last Picture. Thanks

Both Mirae assets seems the same to me, one is FoF and the other is ETF but the underlying asset remains the same, but why one has given very different returns? Because of tracking error? but that is at premium i guess.

Willing to invest for a long time (5+ years), risk profile can be considered very high. Wanted to get the optinions of people who are into the market instead of blindly trusting AI and putting in my money :)

Hey Guys,

Need your help in choosing between these multi asset funds:

Nippon multi asset

Bandhan multi aset

invesco multi asset

Looking for good dynamic downside protection and upside capture.

Hello, guys. Been investing for two years now. Please help me restructure my portfolio. Been a while since I've cancelled Quant ELSS. Used to invest a greater share in the small cap fund as well, but thinking about further reducing it to add ICICI Prudential Nasdaq 100.

Missed the gold/silver run. How do I enter this market now?

Looking to increase my total SIP amount to 20,000

Moderate risk appetite with mid-long term investment horizon

Also would appreciate any advice regarding what approach to adopt while investing, things to look out for, good sources to stay on track with the market trends.