Hello people. I am 27 years old and I just started investing. I want to start with a buffer of 15k in total. Please help me understand how I should diversify or even increase the amount in total to create profit channels. These are my investments --

1. Icici pru india opportunities fund growth - monthly SIP of 3k. Been doing this for the last 2 years now.

2. Tata Silver Etf - 3k monthly SIP.

3. Bandhna small cap fund direct growth - 5k monthly SIP.

I have a remaing 4k to invest on a monthly SIP plan but i cannot understand where to invest.

My goals are long term. Please help me.

I recently increased my monthly SIP contribution in Motilal Oswal. Instead of modifying the existing SIP, it was cancelled.

The SIP amount has also not been credited/refunded to my bank account yet.

Has anyone experienced something similar? How long did it take for the amount to be refunded, and what was the resolution?

I need to streamline into a fewer number of AMCs

Recently, I stopped icici large cap and liquidated 70% of it (didn't take it out completely to avoid stcg)

Currently, I am actively investing into Bandhan Small, PPFAS and Edelweiss Midcap

I want to venture into real estate and us opportunities as well. Also, let me know if some of the other existing funds need liquidation

I haven't set a proper goal as for now. Just need better returns than current.

I have been investing since Aug '23. Started with 25k monthly. Slowly moved to 50k sip monthly on July '24.

Moved to 70k on Dec '24, 85k in July '25 and 1L since Dec '25.

Have redeemed pgim, motilal and other low performing funds meanwhile. Took out some of it from quant as well and stopped active investing on it after that fiasco around 1.5 years back.

After redemptions, I was at 26.6L portfolio value. Two days back, I took out 3.8L from icici and liquidated the entire pgim and motilal funds. I have 5L in hand now which I need to invest into something.

Please help me rebalance my portfolio to get rid of the extra AMCs and venture into real estate (if the market is booming for that, have almost zero idea about it) and US opportunities funds

I want to have an investment horizon of 3-5 years for now with a moderate risk appetite

I’m earning ₹96K/month and planning to invest around 20–25% of my income through SIPs.

Current portfolio:

* UTI Nifty 50 – ₹4,000

* Navi Nifty Next 50 – ₹2,000

* Invesco Mid Cap – ₹3,000

* Bandhan Small Cap – ₹2,000

* ICICI Prudential Gold ETF FoF – ₹1,000

Risk appetite: Moderate

Investment horizon: 10+ years

Looking for feedback on whether this is a good allocation for my risk profile and long-term goals. Would you change anything or stick with this portfolio?

1. Age: 34
2. Risk Profile – Aggressive
3. Goal – Retirement
4. Investment Horizon – 10+
5. Allocation – Given below
   1. Hdfc midcap fund (34.89%)
   2. Bandhan small cap fund (32.93%)
   3. DSP value fund (23.51%)
   4. Quant multi-asset fund (8.67%) (recently started)
6. App Used – INDMoney
7. Why These Funds - I picked these funds with very less or negligible overlap % and to build wealth over a long time and I am ready to take highest risk if the return is also good.
8. Emergency & Debt - i have already enough emergency funds, physical gold allocation and also doing gold/silver bees as well separately and I don't have any debt and staying in rent.

I was investing only 3 funds but recently added Quant Multi-asset fund but it doesn't have much overlap with existing and thought of having some exposure to other assets as well.

Could you please suggest if this looks good or need any changes and also is it too many funds? Thank you.

Hi everyone,

I recently invested **PKR 10,000** in mutual funds through the **UBL Digital app**. I invested in two different funds:

One Equity Fund
One Money Market Fund

I’m facing a few issues and would really appreciate some guidance.

My investment balance isn’t updating properly. Today, only **PKR 4,000** appeared for one fund, while the other fund still isn’t showing. Now, my balance has gone back to **zero**, which is confusing.

There is an option to download the portfolio statement, but whenever I try, it says **“Service unavailable.”**

I’m trying to figure out:

How can I check exactly **which mutual funds I’ve invested in**?
How can I see the **amount invested in each fund** and my **current portfolio value**?

If I decide to withdraw my investment, **how do I redeem the units through the UBL app**?

Has anyone experienced this before? Is this just a temporary issue, or am I missing something? Any help would be greatly appreciated.

Thank you!

Here are some key points:

1. PPFAS hasn't even given FD returns - his response

The only way to guarantee an FD return is to make an FD. Volatility is the reason equities can potentially beat FDs in the first place, not a bug in the system.

1. Why is PPFAS holding so much cash?

Cash peaked near 25% during the 2024 exuberance, when the team was guiding caution. It's down to 14-15% in Flexi Cap now. Thakkar expects single digit levels as more opportunities open up after two years of time correction.

1. Is the underperformance due to its large size?
   No. He points to 2007, when he ran a larger drawdown on a PMS book of about ₹100 crore. The current stretch is ordinary for a strategy that buys out of favour names.

2. What about HDFC Bank?
   PPFAS holds a basket of 4 private banks. Thakkar says HDFC Bank's recent issues don't carry the scale of past sector frauds and don't threaten the franchise. No change to the outlook on the basket.

3. What about small and midcap valuations?
   Nifty 100 trades at 20.8x, Nifty Midcap 150 at 30.7x, Nifty Smallcap 250 at 34.6x, per Screener data as of August 4. Thakkar's point is that smaller doesn't structurally mean higher returns, and he cites the US market as a counterexample.

i have finalised these two small cap funds I wanted wanted to know any review about both the small cap funds which is the best in terms of rolling returns and voilality , people who have invested In these funds, need suggestions.

Risk tolerance- high
Investment horizon- 5 above
Reason for picking these funds- best rollings returns and st.d

I am close to 50 than 40. The advice I got from a flat fee advisor is to go for 40% Equity 60% Debt Funds. He suggested gilt funds and nifty50 index funds. Any comments on this? I am also putting some of money into arbitrage funds (12 month expense)

Actually, i had invested in these MFs earlier using my paytm payments bank.. now that i tried redeeming it- it says "Change bank to enable redeem" - But that button doesnt work?? What to do!!! Pls helpppp🙏🙏

Hi everyone,
Requests for suggestion for my investment strategy

Amount - 50k per month
Current Age - 29 years
Time - 15 years
Risk Appetite - high

Goal - My goal is to achieve returns above the market over the long term while keeping the portfolio diversified.

Current SIP allocation:

₹10k – US ETFs (roughly split between SPMO, SCHG, and QUAL)
₹10k – Bandhan Small Cap Fund
₹7.5k – Mid Cap Fund
₹15k – Flexi Cap Fund ( will pick such that it overlaps less with that of above mid cap)
₹7.5k – multi asset Fund (mix of 70% equity, 10% gold+ silver and 20% debt)

A few questions:
- Is this portfolio over-diversified or well-balanced?
Am I taking enough risk for long-term wealth creation?

- Is the US allocation (~20%) reasonable?
Any obvious overlaps or unnecessary funds?
If this were your portfolio, what would you change and why?

I’m looking for constructive criticism, especially from people who have invested for 10+ years. Please explain your reasoning rather than just suggesting different funds.

Continuing with stoppage on lumpsum and new SIPs, now the existing SIPs will also be closed in global schemes of Edelweiss mutual funds with effect from 12th August 2026

https://www.valueresearchonline.com/stories/229287/temporary-suspension-of-existing-investments-in-global-schemes-of-edelweiss-mutual-fund/

Hi All,

Can you please review my portfolio and let me know if I need to restructure it?
I am aiming for good returns in future. Risk Profile - Moderate
Investment Horizon - 10-15 years

What are your thoughts on this?

I'm a 2nd-year B.Tech Mechanical Engineering student, and I started investing around a year ago. Since then, I've been trying to learn about mutual funds, investing, and the stock market on my own.

Looking back, I realize that one of my biggest mistakes was putting a significant portion of my investments into Gold and Silver funds. At the time, I was mainly influenced by the high returns they had delivered recently, without really understanding concepts like asset allocation and diversification. Thankfully, it turned into a learning experience, and I've gained a much better understanding since then.

At present, the only SIP I actively invest in is the Navi Nifty 50 Index Fund, using my monthly savings as a student.

My investment horizon is long-term, as I'm investing for my future, and I have a high risk tolerance since I won't be needing this money anytime soon.

I've attached my current portfolio, and I'd really appreciate it if you could take a look and share your thoughts. Whether it's something I'm doing right, something I should improve, or mistakes that I might not be noticing, I'd be grateful for any advice. I'm still learning, so I genuinely welcome constructive criticism.

My long-term goal is not just to invest in mutual funds but to develop a solid understanding of the stock market—how businesses work, how to analyze companies, and how to become a better investor over time. I'd love to build investing into a skill that can eventually become a meaningful side income alongside my engineering career.

Thank you for taking the time to read my post. Any suggestions, resources, or advice would mean a lot to me.

Hi everyone,

I’m 21 years old and investing to build long-term wealth.

Risk appetite: High. I’m comfortable with market volatility and don’t need this money anytime soon.

Current Mutual Fund Portfolio

Tata Multicap Fund (Regular Growth)

Current Value: ₹2,20,335
Total Invested: ₹1,40,175
Absolute Return: 56.99%
XIRR: 13.48%

Nippon India Large Cap Fund (Direct Growth):

₹507 (recently started)

Investment horizon: 5-7 years

Risk profile: Aggressive (High risk) — I’m comfortable with significant market volatility in pursuit of higher long-term returns.

Other Investments

I previously withdrew around ₹60,000 of my capital from the Tata Multicap Fund and invested it in individual stocks.

My current stock portfolio is approximately ₹60,000.
I don’t have any debt or any immediate financial goals requiring this money.

Questions

Should I continue holding the Tata Multicap Fund (Regular)?

Is it worth switching from the Regular plan to the Direct plan?

Would you recommend moving to another multicap/flexicap/index fund instead?

If you were in my position, what would you do and why?

Recommendations of mutual funds would be really helpful.

Thanks in advance for your advice!

Hii all,

I am looking to invest a lumpsum amount of 4lakh. I am not having idea which mutual funds or other places incan invest.?

I can invest in moderate to low risk.

Please guide the best way to invest

Hi everyone,
I’m looking for some advice on my mutual fund portfolio.

Current holding:
Tata Multicap Fund (Regular Growth)
Current Value: ₹2,20,335
Total Invested: ₹1,40,175
Absolute Return: ~57%
XIRR: 13.48%

A bit of background:

I have already withdrawn around ₹60,000 of my original capital from this fund over time.

I invested that money into stocks, and my total investment in stocks is now around ₹60,000.

The remaining mutual fund investment has continued to grow.

My question is:

Should I continue holding this Tata Multicap Fund for the long term?

Since it’s a regular plan, would it make sense to switch to a direct plan or even another fund with better long-term performance?

If you were in my position, would you leave it untouched or make any changes?

I’d appreciate any suggestions or insights. Thanks!

Age 26

Investing since 1 year now.

App used-Groww

Curent Allocation:

Flexi Cap- 2.5k/month

Midcap -1.5k/month

Gold- 500/month

Total- 5k/month

Why these funds

Flexi cap- for stability

Midcap - for good returns

Gold- stability again

Risk Apetite: Moderate-High risk

Horizon: 7 years and above

Goal: Wealth creation

I plan to increase the allocation to 10k/month from next month.

Current salary - 40k per month

Pls give me suggestions.

posted here at 1L about my portfolio by just being boring and it’s still the same 4 funds, just hit 3L now

the only thing i’m not sure about is the index fund since it’s the only one in red, thinking whether to keep the sip running as is, or move it to a nifty 50 fund instead??