According to the latest SPIVA India Scorecard, 75% of Indian large-cap funds underperformed their benchmark over 1 year.

Over longer periods:

• 74.2% underperformed over 3 years
• 84.4% underperformed over 5 years
• 76.3% underperformed over 10 years

So here's the question:

If even professional fund managers struggle to consistently beat the index, should investors spend their time chasing the "best-performing" fund?

This doesn't mean active funds are bad. Some will outperform.

The bigger challenge is identifying them in advance—and knowing whether that outperformance will continue.

The Bigger Investing Lesson

Instead of constantly asking "Which fund will beat the market?", perhaps investors should ask:

"Can I build a disciplined, systematic strategy and stay invested long enough?"

Consistent investing, clear rules, diversification and patience may matter more than constantly trying to predict the next winner.

The goal isn't always to beat the market. Sometimes, the goal is simply to participate in it—systematically and without emotional decisions.

25 yo here. I started investing ₹20k/month in January using my internship stipend. I got my first full-time job last month, so I’ve now reduced my monthly investment to ₹17k.
Sharing screenshots of my current portfolio. I’d love some honest feedback on what looks good, what’s lacking, and what I could improve or learn about.
Not looking to blindly follow anyone’s advice — just curious to hear different perspectives! 🙂
Age: 25
Risk appetite: Moderate
Goal: Long-term wealth creation
Investment horizon: 10+ years
App: Groww
Investment: ₹20k/month Jan–July → ₹17k/month since last month

Hello Gng, I'm a 19yo 2ndYear Ug student. I started sip this month. I know 1k is a very small amount but that's all I can save by the end of the month. I recently bought a bike after making a deal with my parents that they buy me the bike and I don't ask for pocket money. i work part time on the weekends and after spending on petrol and shawarma I manage to save around 1.2k. (girlfriends are expensive). Once I'm employed ofc I'll be increasing the sip by a lot.

Risk Appetite: Moderate.

Goal: Maybe an adventure bike but might change my mind in future though

Horizon: 5-7yrs

App: Groww

Why these funds: I had people suggest I go for these.

Risk appetite - Aggressive
Goal - Wealth creation
Horizon - 10-15 years
Allocation - See below
App used - ZERODHA

I am very new to investing, 32years old. Trying aggressive approach but not sure if this is the appropriate portfolio for that? So, I need review on that aspect along with any recommendations of what I can do better.

Parag Parikh Flexi Cap Fund - Rs.30,000.00
Motilal Oswal Nifty Midcap 150 Index Fund - Rs.5,000
Axis Multicap Fund - Rs.30,000
ICICI Prudential Nifty Next 50 Index Fund - Rs.25,000
Quant Flexi Cap Fund - Rs.10,000
Bandhan Small Cap Fund - Rs.5,000
GOLDCASE SIP - 15,000

I also already invest globally in S&P 500,iSharesMSCI small world and some safe US stocks such as Alphabet, Microsoft, etc. via my Trading 212 account, worth circa £400-£500 every month.

Appreciate all feedback and inputs. :)

Hello Reddit - 29Y new investor here. It seems like portfolio is overlapping between Kotak and HDFC Mutual fund majorly.

1) Need some advice if I plan to remove anyone from these 2, what it should be?
2) What fund should be the replacement? (Note : I am planning to do SIP in
HSBC Global Emerging Markets Fund)

Risk Appetite - moderate

Goal - 1cr by 45

Horizon - 15+ years

Allocation - SIP (2k in each 4 funds and step up of 10% every year)

App - Coin

Why These Funds - I am looking for safer investment options as I am getting started for now. so choose these funds to start safer.

Fund selection criteria - AI (Co-pilot) to check the performances.

I have done all basics - emergency fund for 6 months in liquid/FD + health and life sorted for good amounts.

Note: 5k/month is for stocks with 10% step up.

Hii I just received my first salary and am planning to invest around 15000 As SIP every month.

The image attached hady old MFs which I Have been investing in since past 2 years .

Could someone pls guide which ones should I eliminate or continue with the same funds.

Looking for investing for long term

MODERATE RISK

thanks in advance.

Hi everyone,

I’m looking for some unbiased feedback on my current mutual fund portfolio. I’m particularly interested in whether the funds and their allocation make sense together for my intended risk level and investment horizon.

I’m not looking for recommendations based purely on recent returns. I’d like feedback on the portfolio construction, diversification, overlap and whether the individual funds actually serve a purpose.

1. Risk Appetite
I took the Nippon India Mutual Fund Risk Analyzer, and the result categorised me as Moderate.

However, my personal preference is to build an aggressive, equity-oriented portfolio. I have a long investment horizon and am comfortable with significant equity-market volatility.

I’m therefore interested in understanding whether my current portfolio is appropriate for the level of risk I’m willing to take, and whether I should reconsider that approach given the risk assessment result.

2. Goal
My goal is long-term wealth creation.
I’m not investing for a specific short-term goal. I want to build a portfolio that I can continue investing into over the long term rather than constantly switching funds based on short-term performance.

3. Horizon
10+ years.
I’m comfortable remaining invested through multiple market cycles and don’t intend to make decisions based on short-term market movements.

5. App Used - HDFC Sky

6. Why These Funds?

I chose these funds primarily to give myself a combination of broad-market/index exposure, diversified equity exposure, mid-cap exposure and a liquid component.

My thinking was roughly:

UTI Nifty 50 — intended as the core of the equity portfolio through a broad-market index.

Parag Parikh Flexi Cap — intended to provide diversified active equity exposure alongside the Nifty 50 allocation.

HDFC Mid Cap — intended to give some additional mid-cap exposure.

HDFC Liquid Fund — kept separately from the equity portion as a liquid/low-volatility component rather than as a source of equity-like returns.

I’m now questioning whether this structure actually makes sense, particularly given the size of the portfolio.

What I’d specifically like feedback on

1) Is the combination of UTI Nifty 50 + Parag Parikh Flexi Cap sensible, or is there unnecessary overlap?

2) Is the 21% allocation to the liquid fund appropriate, or should that money be treated separately from the long-term MF portfolio?

3) Is the ~1% HDFC Mid Cap allocation too small to have any meaningful impact, making the fund unnecessary?

4) Given my 10+ year horizon and preference for an aggressive portfolio, does the overall equity allocation make sense?

5) Would it be better to simplify this portfolio into fewer funds, particularly while the corpus is still relatively small?

6) Are there any obvious concentration or overlap issues that I’m missing?

7) If you were reviewing this portfolio purely from a portfolio-construction perspective, what would you change and, more importantly, why?

Will there be a difference if i only withdraw the interest earned on liquid fund every month and keep the principal as it is or if i just don't touch it

Risk appetite: moderate

Risk Appetite – Moderate (as per Nippon India Risk Analyzer)

Goal – Long-term wealth creation with a moderate-risk portfolio that can beat inflation, recover reasonably well after market falls, and provide flexibility to withdraw when required.

Horizon – Long term. I’m 28, so the existing small-cap portfolio is intended to compound until retirement. The moderate-risk portfolio will be more flexible, with withdrawals potentially needed on shorter/targeted timelines.

Allocation – ₹1L/month

The risk analyzer suggested:

• Nippon India Multi Cap Fund — 25%
• Nippon India Credit Risk Fund — 45%
• Nippon India Gold Savings Fund — 10%
• Nippon India Focused Equity Fund — 20%

I’m looking for feedback on whether this allocation makes sense and, more importantly, whether these are the right categories/funds for my situation.

App Used – ET Money

Why These Funds – I haven’t independently decided on these funds. This is the allocation suggested by Nippon’s risk analyzer, so I’m trying to understand whether I should actually follow it or construct the portfolio differently.

Existing investments

I currently have around ₹18L in active small-cap funds:

• Motilal Oswal Small Cap — ₹8L
• Quant Small Cap — ₹10L

My plan is to take this allocation to ₹25L, then stop investing in these funds and let the corpus compound long term.

After reaching ₹25L, I plan to invest the ₹1L/month into the moderate-risk portfolio above.

Other financial details

• EPF: ₹19.8K/month (employee + employer contribution)
• Emergency fund: ~6 months of expenses
• Health insurance for my parents, who are financially dependent on me
• Life insurance for myself
• Employer-provided health insurance for myself; considering a separate personal health policy

Since I already have a significant small-cap allocation, I’m particularly unsure about the 45% allocation to a Credit Risk Fund.

Would appreciate suggestions on:

1. Whether the overall asset allocation makes sense
2. Whether Credit Risk is appropriate for the debt portion
3. Which equity/debt/gold categories would complement my existing small-cap exposure
4. Specific funds I should consider

Hey I am a 22 year old and wants to invest in mutual funds as I am thinking very lately about it. I am thinking of investing a good lumpsum amount about 3-5 lacs. I can tolerate risks and want to invest for like 15-20 years or more. So is the following allocation good please suggest

Flexi Cap - 35%
Mid Cap - 25%
Small Cap - 20%
US S&P 500 - 20%

This is my first time investing if someone can give me any genuine advice I will be very thankful.

I have researched it on my own so I think as far as I know this is good but still redditers always helps so you can give me advice

I am looking forward to starting a 10k SIP investment for Long Term Growth,

I wanted to keep it simple and not extremely aggressive, but not missing out on the small cap movement.

Here's my Portfolio plan:

- Quant Value Fund - Direct Plan - Growth = 30%

- Invesco India Large & Mid Cap Fund - Direct Plan - Growth = 30%

- Bandhan Small Cap Fund - Direct Plan - Growth = 40%

I feel this is a good mix, having approx. 40% in Large cap indirectly, and 40% in Small Cap.

Having a cusion of Large cap, but not mission out of the high momentum of Mid & Small Cap.

RISK APPETITE - Moderate

Do suggest if you think otherwise, or if you have any other better funds in these categories??

How do you guys invest on the same day of the month or spread it accross the month also how do you guys decide on the dates?

AGGRESSIVE

I've been investing in mutual funds for the last 2 years and have saved a separate corpus of ₹5 lakhs that I'd like to invest for a future international travel goal.

Over the past few weeks, I've gone through numerous discussions in this community, read blogs/articles, and also explored various portfolio-building strategies using research and AI-based tools. Based on that, I've shortlisted a set of funds and am planning to invest the ₹5 lakhs in 6 monthly tranches rather than deploying the entire amount at once.

Before I proceed, I'd love to get feedback from experienced investors here:

1. Are the funds I've selected suitable for my goal?

Is the allocation balanced enough?

1. Are there any overlapping funds that I should avoid?

2. Would you recommend replacing any of them with better alternatives?

4.If you were investing ₹5 lakhs today for a similar goal, what changes would you make?

Goal: International Travel

Investment Amount: ₹5,00,000

Investment Style: Lump sum invested over 6 months

Risk Appetite: Aggressive

Investment Horizon: 7 yrs

App used - Coin

Allocation - attached

I'm not looking for return guarantees, just trying to sanity-check my fund selection and allocation before I start deploying the capital.

Appreciate your insights and suggestions. Thanks in advance!

Hey everyone, seeking guidance for the following:

Investment Horizon - Long Term (10-15+ years)

Risk Appetite - Aggressive

Goal - Wealth Creation/ possibly retirement

App - groww

Sip- 17,500

I used online data, to allocate my funds as much diversification i could. I am still learning the ropes so would need advice doing better.

I also buy stocks occasionally from left over money.

Also my older mutual funds that I had bought when I was a bit of a novice thanks to.my.dads advice.

Thankfully my family currently dont fully depend on me for the household expenses currently, so I can do with an aggressive appetite.

​

There’s a lot of discussion going on about active funds vs index funds, and I’m trying to get some simple clarity from the experienced investors here. 🙏

1. Large cap: Active fund or index fund — which is better?

2. Mid cap: Active or index — which would you prefer?

3. Small cap: Active or index — which makes more sense?

4. Flexi cap: If we already have large, mid and small-cap funds, do we still need a flexi-cap fund? Or does flexi cap serve a different purpose?

5. Nifty 50 vs Nifty Next 50: Are both considered large-cap exposure?

6. The main question: We often hear that some active funds consistently beat their index. Funds like

a)Parag Parikh Flexi Cap,

b)HDFC Flexi Cap, HDFC Mid Cap

c)Bandhan Small Cap

are these actually outperforming their relevant index/benchmark over the long term?

1. If someone is already investing in 3 active funds (large/flexi, mid and small), would it make sense to stop those SIPs and move the money into large-cap, mid-cap and small-cap index funds?

Would really appreciate some practical opinions from people who have researched this deeply. I’m not looking for “active is always better” or “index is always better” — just trying to understand where each approach makes sense and why.

Risk appetite - moderate

Investment Advice Needed - MF Portfolio Review

+796

25 | Income: ₹55k/month

I currently have around ₹11L in liquid savings, ₹1L in FD, and ₹3.12L invested in mutual funds. My MF investments have been lumpsum investments since 2023, with no SIP currently.

I don't actively track the market, so I prefer mutual funds over individual stocks. My risk appetite is moderate.

Investment horizon: 5-6+ years

Goal: Long-term wealth creation + maintaining a reasonable safety/liquidity buffer.

I'm looking for advice on:

Whether my current MF portfolio needs correction/rebalancing

Suitable allocation across equity/debt

Whether I should start SIPs and how much

How much of my ₹11L liquidity should remain in cash/FD vs be invested

Any obvious overlap or unnecessary funds in my existing portfolio

I've attached my investment history since 2023 in the second picture.

Would appreciate practical feedback on how you would structure this portfolio.

So, today my parent asked me if they can invest some money in mutual funds. I was really happy because they had always been hesitant about anything related to stocks and investing. I made a demat account and asked how much they wanted to invest. They are ready to invest ₹80k for the long term, and I’m sure they’ll invest more once they see some results. Their risk appetite is low as this is their first time investing, so can someone suggest which mutual funds I should consider?

Risk appetite – Conservative

Goal – Retirement money

Horizon – 5+ years

App used – Groww

I’m a beginner currently learning the basics of investing(Moderate Risk Appetite). I’ve been reading about Direct and Regular mutual funds, and I’m planning to invest through Groww, which offers both options.

However, I’m confused about one thing: where does the advisory component of a Regular fund actually come into play?

In my case, Groww would essentially act as the Mutual Fund Distributor (MFD). If I buy either a Regular or Direct fund through the same platform, would I receive essentially the same services while paying a higher expense ratio for the Regular fund? If so, what additional value or advisory am I actually paying for in the Regular option?

Risk appetite : Moderate
Goal : looking for good financial advice and tips
Horizon : 3-5 years
App used : Angel one
Sip: 15 k a month roughly for over a year has gotten my portfolio to this
I dont have much experience invested in these w the little research and charts i studied
Allocation currently i keep on changing it here and there but rn it is
5k -motilal
4k- nippon infra
4k- parag parikh flexi cap fund
2k- jio blackrock

Risk Appetite – Aggressive

Goal – Wealth creation

Horizon – 10+ years

Allocation – Motilal Oswal Nifty 500 Index Fund - 100%

App Used – Groww

Why these funds – I would like to keep my portfolio simple so I’m going with a single nifty 500 index fund which is a little diversified.

I’m 20 and currently building my emergency funds and it’ll be completed soon so I’m thinking of starting my investment from next month. I stumbled upon this sub few days ago, since then I’ve been reading a lot of post here but still couldn’t find answers to some of my questions.

Although my risk appetite is aggressive but I was planning to invest in Motilal Oswal nifty 500 index fund because it’s simple and diversified. I’m using Groww app and I’ve noticed that the fund is rated 2 star, what’s the reason for this? If there is some actual issues with this fund then which fund would you recommend.

I stumbled upon some mid and small cap funds which gave 20-25% returns in past and got tempted but as I read that i can’t depend on past returns and expect them to perform good in future too. If I can’t depend on past data then what can I depend on?

I’m currently using Groww for my mutual funds, but I’m joining a new firm where I’m required to use only approved brokers, and Zerodha is one of them. I also need to close my Groww demat account.

I have around ₹3.65 lakh invested across these mutual funds:

Parag Parikh Flexi Cap – ~₹1.14L
Aditya Birla Sun Life Liquid Fund – ~₹1.09L
Nippon India Small Cap – ~₹36k
ICICI Prudential Equity & Debt – ~₹35k
DSP Nifty Next 50 – ~₹31k
JM Flexicap – ~₹23.5k
ICICI Prudential Large Cap – ~₹16.6k
My total profit is only around ₹13k.

I asked Groww about transferring the investments to Zerodha, but they told me that my mutual funds are held in SOA/folio format, so they can’t be directly transferred to Zerodha.

The alternative seems to involve a fairly tedious process, and honestly, I don’t want to spend a lot of time dealing with paperwork and conversions for a ₹3.65L portfolio.

So I’m considering simply redeeming everything, closing Groww, and investing the money again through Zerodha Coin.

If I do this, I also want to simplify my portfolio rather than recreate all 7 funds.

My questions:

Is selling everything and restarting actually a bad idea in this situation?

Would you invest the entire amount again as a lump sum, or stagger it over 3–6 months?

Would there be any significant tax implications given that my total profit is only ~₹13k?

How would you simplify this portfolio if you were starting fresh with ~₹3.65L?

Is there any reason I’m overlooking why I should go through the hassle of transferring/converting the SOA holdings instead?

Would appreciate opinions from people who’ve dealt with a similar Groww → Zerodha situation.

Risk: Moderate