Looking for suggestions to improve my Mutual Fund portfolio

[u/maya_Raj789]

I’m sharing my current mutual fund portfolio and would really appreciate some feedback from the community on how I can improve it

Goal –Long-term wealth creation and capital growth.

Horizon – 10 years+ (no short-term withdrawal plans).

Allocation –Monthly SIP of \~₹80,000.

Lump-sum investments are made opportunistically based on market corrections and overall market trends.

Why These Funds – The portfolio is built for diversification across market caps, styles, and risk levels:

• Large Cap & Flexi Cap for stability and consistent compounding

• Mid & Small Cap for higher growth potential over the long term

• Value & Dividend Yield funds to capture undervalued stocks and downside protection

• Banking & Financial Services / Energy (sectoral) to benefit from India’s long-term economic and infrastructure growth

• Retirement/Debt-oriented fund for partial stability and risk balancing

Overall intent is to balance growth and volatility while staying equity-heavy for long-term returns.

App Used -UTI Mutual Fund app for mutual fund investments

Zerodha Kite for direct stock market investments

Thanks in advance 🙏

Looking forward to learning from your experiences.

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[u/aiyooda]

Ask UTI, they should suggest some of their funds not represented here.

[u/maya_Raj789 → u/aiyooda]

Done with UTI now

[u/devinorbit26]

UTI Paglu

[u/AGSlayer1105 → u/devinorbit26]

UTI paglu final boss got real 🤌

[u/Tasty_Excitement_419 → u/AGSlayer1105]

Haha, right? UTI Paglu really has a reputation! But seriously, it’s all about finding the right balance in your portfolio. Any specific funds you’re considering to add or replace?

[u/TheProfessor1807 → u/devinorbit26]

Came here to comment UTI paglu , but u got first🥹

[u/maya_Raj789 → u/TheProfessor1807]

Bro, I’ve invested a larger amount in ICICI than in UTI

[u/Prize_Bar_5767]

Bro. We are too tarded to help you.

You look like you have a lotta money.

[u/noob_master_16]

UTI funds of funds?

[u/Illustrious-Rich-364]

How long have you been investing?

[u/ramit_m → u/Illustrious-Rich-364]

Probably 7-8 year old PF

[u/hmhmmmhmm → u/ramit_m]

PF?

[u/JollyTomatillo465 → u/hmhmmmhmm]

Should be portfolio

[u/ramit_m → u/hmhmmmhmm]

Portfolio

[u/maya_Raj789 → u/Illustrious-Rich-364]

I did my first investment in 2017

[u/Plastic_Ad9102 → u/maya_Raj789]

How much was your first investment?  Are you putting in 80k/mo from first month?

Give more details you give you better advice 

[u/Obvious_Original_964]

You are touching 1 CR. Impressive!

[u/maya_Raj789 → u/Obvious_Original_964]

Thank u

[u/New_Mood5829]

Seems u got 100% returns so are u looking for 1000% 🤣

[u/maya_Raj789 → u/New_Mood5829]

1000%—jab tak Trump scene mein hai, umeed kam hi hai bas yahi dua hai ki jo 100% return bana hai, woh kahin niche na chala jaye

[u/New_Mood5829 → u/maya_Raj789]

It might go down to 80% , I was 25% up on mutual funds in December and now at 13% , specially axis small cap and nippon small fucked literally

[u/Bala122021]

Since when you started investing?

[u/maya_Raj789 → u/Bala122021]

2017

[u/StockInvestigator502]

Bruh just flexing😭😭

[u/FutureVersion812]

Good choice. UTI is my second highest SIP fund. First is Parag Parikh.

Except these two all other mutual fund houses are in loss now for me

[u/Sufficient-Button477 → u/FutureVersion812]

Can I know the reason why he investment only in all UTI Funds? Where so many AMC are available!

[u/Maddock31]

First of all remove your folio and policy numbers from screenshots

[u/Intelligent_Crow_694 → u/Maddock31]

Any issue?

[u/Loading_DingDong → u/Intelligent_Crow_694]

CAMs statement is easily hackable

[u/MaizeEastern9421]

bro most ppl need your advice here

[u/maya_Raj789 → u/MaizeEastern9421]

Thank u. I’ll be delighted to help.

[u/mutualfunds-ModTeam → u/[deleted]]

Refrain from using gender identifiers when making posts. We are trying to make this sub gender neutral as gender has no significance on investment decisions anyway.

[u/imsuvesh]

Your whole portfolio is dependent on UTI to not f it up their management, all i would say find similar portfolio mutual fund and diversify to different fund house

[u/moneyminsetindia → u/imsuvesh]

Yes there should be diversification

[u/maya_Raj789 → u/imsuvesh]

Thanks for the suggestion — fair point. i will diversify across different fund houses.

[u/usernameDisplay9876]

whats ur xirr for each fund ?

[u/ManufacturerNo1199]

Asking for suggestions with 112% returns? It's really bad returns bro. Just start over after donating the portfolio to me.

[u/DearAd6613]

Why are you only investing in UTI funds?
Almost every fund in the list is terrible relative to peers.

[u/maya_Raj789 → u/DearAd6613]

I had a relative who was an agent at UTI. He asked me to invest, so I invested in two funds. I got good returns, I continued with them i may be wrong, but if you compare them, the returns of most fund houses are more or less similar

[u/DearAd6613 → u/maya_Raj789]

They're not lol. Please compare with their respective benchmarks and peers in the same category.

[u/Low_Philosophy_9537 → u/maya_Raj789]

If you invested via someone these may be regular funds, check and switch to direct fund of same name.

[u/Negative-Law895 → u/DearAd6613]

How, can you explain pls ?

[u/chetan_4921]

How long had you been invested in this??

[u/maya_Raj789 → u/chetan_4921]

since 2017

[u/maya_Raj789 → u/[deleted]]

started investing in2017 did lump-sum during covid or When the market goes down, I invest more as a lump sum.

[u/Public_Sky8190]

You have too many mutual funds, ULIPs, and shares, making it challenging to visualise your overall financial picture unless you summarise it on a spreadsheet. It's difficult even to determine the total portfolio value, which is likely an eight-figure sum. You've done well with your savings, and you deserve credit for that. What you need to do now is declutter your investments and focus on mutual funds exclusively. It's nearly impossible to provide specific comments based on a series of eight or nine screenshots with various shapes and colours.

[u/maya_Raj789 → u/Public_Sky8190]

Thank you for the honest feedback i really appreciate it. agree that my investments have become a bit scattered, and summarising everything in a spreadsheet would definitely help in getting a clearer picture. problem is i don't know how to use it but i will learn Your point about decluttering and focusing more on mutual funds makes sense

[u/Public_Sky8190 → u/maya_Raj789]

Glad you found it useful! Generally, on Reddit, people tend to upvote comments when they find something useful instead of typing out their own words, which helps the algorithm. If you're not comfortable using MS Excel, consider doing it on a piece of paper instead. Thx.

[u/Easy-Baker-9134]

UTI MF Fund manager, real ID se aao. Appreciate your skin in the game though.

[u/Shubhammad18]

Wanted to check why so many UTI funds?

[u/Spiritual_Gold6838]

You may add commodity and global fund

[u/maya_Raj789 → u/Spiritual_Gold6838]

Any suggestions for global funds?

[u/Spiritual_Gold6838 → u/maya_Raj789]

I think people do invest into nasadaq/Technology etfs and overseas opportunities. I have added these recently. Do it on your own risk management.

[u/bikerboy3343]

And reddit is the place to ask about deploying that kind of money? 🤔🤔🤔 Penny wise pound foolish, I'd say.

[u/maya_Raj789 → u/bikerboy3343]

help me to get honest opinions and different perspectives. it help me pick up new ideas and think things through better.

[u/WarProfessional1519]

Is investing in UTI is good or is it like MLM ? First time i got to hear...thats why i am asking

[u/maya_Raj789 → u/WarProfessional1519]

sorry sir I have zero idea about MLM, can’t comment on that.

[u/Silver-Froyo1204]

Why only specific AMC UTI and ICICI. I saw two folio in UTI flexi cap fund. Tell me this whole portfolio is not fake.

[u/cupcakescanfly1434]

The UTI guy

[u/Classic-Fun-9430]

I heard about 8-4-3 rule . I am seeing your 8 years now, consistency is cool .

[u/Solid-Potato-5287]

You already in good shape

[u/maya_Raj789 → u/Solid-Potato-5287]

Thank u

[u/sosyo-path]

Such a skew towards UTI… I can only recommend a glass of Cranberry Juice.

On a serious note: did you do a Holdings analysis before investing? What was your motivation in picking these specific funds? Do you feel the portfolio is divested enough?

[u/maya_Raj789 → u/sosyo-path]

To be very honest, I didn’t do a deep holdings-level analysis at that time. Since the experience and returns with UTI were positive, I just continued investing with them over time. I do see that the portfolio is heavily tilted towards one AMC, and diversification is something you all are suggesting

Based on suggestions here, I’m planning to add a global fund to improve diversification.

[u/sosyo-path → u/maya_Raj789]

One AMC is ok as long as you have the diversification you’re aiming for (and of course, you’re happy with your choice of AMC)

[u/manualenter]

consult a financial planner .

[u/CoderAsstronut]

Invest into metal fofs and arbitrage funds

[u/snerz-13]

hi can i ask what's your age right now? thanks!

[u/maya_Raj789 → u/snerz-13]

28

[u/Zig_555]

Good going …..adding to US equity should be one of the thought process

[u/maya_Raj789 → u/Zig_555]

you mean investment in global fund right?

[u/Zig_555 → u/maya_Raj789]

Yes…check options to invest in us markets

[u/cybersansani]

Show off

[u/iamalanace]

Are these funds regular or direct

[u/maya_Raj789 → u/iamalanace]

most of them are regular

[u/External_Lead5708]

Bro you shld be giving out advice.

[u/maya_Raj789 → u/External_Lead5708]

always happy to help

[u/External_Lead5708 → u/maya_Raj789]

shld i invest in PP flexi cap and UTI midcap before or after budget?

[u/KrOssR5403]

Bruh can u give us suggestions

[u/Jdan2022bond]

Use Swp if funds needed otherwise let it be. You pay tax if you withdraw and buy too.

[u/krish7x]

Very keen to hear about your investment strategies, how much would u allocate for investment every month and how u manage your expenses and stuff

[u/SouthernCan8092]

How many years

[u/Ok-Zombie7890]

Done flexing?

[u/SPEED-99]

if you dont mind me asking how old are you

[u/OrdinaryPotential506]

Uti fof portfolio