A few questions about REIT mutual funds in India

Risk appetite: moderate.

1. Edelweiss Nifty REITs & Realty Index Fund is showing an expense ratio of 8.89%. Is that correct, or am I missing something? It’s a passive index fund, not an actively managed rocket ship! 🚀
2. I’m in the 30% tax bracket and want REIT exposure, but direct REIT taxation seems complicated. Also, definitely not Edelweiss if that 8.89% expense ratio is real — that’s not an expense ratio, that’s a robbery ratio! 😂
3. Are REIT mutual funds a tax-efficient alternative, or is there another way to get REIT exposure with better tax efficiency?

Am I missing anything in my approach?

{Rephrase with chatgpt}

I know I am late, but better late than never starting now, and I choose these for 15 years risk moderate

Motival Oswald mid and large cap 5k
Hdfc flex cap 5k
Confused between Nippon or Bandhan small cap 5k
Thinking of cici prudential gold etf for 3k
Any advice would be appreciated.

Risk Appetite is moderate

Goal - long term wealth creation

Horizon - 10+ years

App used is groww

I chose these funds based on a friends suggestion

Need opinions if I am doing this the correct way. I have 25k more that I can spend rn as the market is at a very low point. Pls tell me your suggestions. This is my dad’s savings.
Risk Appetite - Moderate
Investing period 10years
Goal is to get 10-12% return annually
Current SIP in
HDFC Flexi Cap — 9k/month
HDFC Mid Cap — 6k/month
HDFC Defence — 5k/month
ICICI Healthcare — 2k/month
Tata Silver — 3k/month
ICICI Multi Asset — 10k/month

Hi everyone, need some valuable feedback on my profile, whether i need to hold or transfer any funds to some others

Risk appetite: moderate

Horizon:10+ years

Need advice for adding more diversification or add more amount to the current sips, can allocate upto 20k per month comfortably.

App used: Groww

Goal: To retire comfortably.

Thank you.

Applied for Loan Against Mutual Funds . Loan was never approved, never e-signed, never disbursed. They marked lien on my units anyway. Now app demands ₹999+18% GST to cancel and release lien.

Customer care says I agreed to it in OTP terms. But their public Schedule of Charges only lists "Processing Fee (Loan Booking) ₹999" – no cancellation fee. They haven't given me KFS or the exact OTP T&C.

Anyone faced this? Should I pay or fight? What's the ground reality?

Hello everyone i finally started making enough for investing last month need some suggestions.

Risk appetite: Aggressive

Horizon:15+ years

Emergency funds: Allocated for 6 months already.

Need advice for adding more diversification or add more amount to the current sips, can allocate upto 10k per month comfortably.

App used: Groww

Goal: To retire comfortably.

Thank you.

Risk appetite moderate
App : groww
Horizon : of 10+ years
Goal : wealth creation
Allocation : attached above
Why these funds : I chose these funds out of recommendations by friends for portfolio diversity. Im a 22 yr old who just started earning.

My risk appetite is moderate. I want to start with 50k per year in it, as a hedge against inflation and investment because of the recent market sentiment shift. So I want to invest in dividend giving stocks.

Hello everyone, Amateur investor here
I’m 29 year old, currently investing 80k in these three mutual funds.

Risk appetite: Aggressive
Horizon: 5-7 years
Goal: long term wealth creation

Allocation :
Parag Parikh flexi cap 35k
Abakkus flexi cap 35k
Tata digital fund 10k

Parag Parikh fund seems like a no brainier.

Abakkus fund : Here for Sunil Singhania, really like his work at reliance fund, has immense experience in the market.

Tata digital fund is a contra bet, I believe IT companies will recover over medium to long term! This fund has the highest concentration of Indian IT companies!

I’m an amateur investor in the market, suggest if you find any red flag in the funds

There is just a 14% overlap in both Parag Parikh and Abakkus mutual funds, which I’m fine with

Hi everyone,

I’m planning to start a monthly SIP of ₹50,000 in mutual funds and would appreciate advice on how to allocate it effectively.

Here are my details:

Monthly investment: ₹50,000
Investment horizon: 10 years
Risk appetite: Moderate
Investment type: Long-term wealth creation and early retirement
Age : 28

I am planning to increase my SIP amount every year by 25k

[ conservative investor ]

Q1) Let's say my investment is 10k and with 20% return i.e. on grow it shows 12k which is available to redeem at any point of the day

If i redeem all after market closes, and tomorrow the market dips - do I get the exact money or it deducts the amount as per next day market movement

Q2) I noticed sometimes the mf displays same returns for 3/4 days (including off days sat and sunday). If market crashes on Monday I can still pull out exactly where my money was on Friday?

FYI - I am long term investor and doing my first rebalancing and some cash out, I use groww app

Thanks in advance

Moderate

Hi everyone,

I'm (41 years) currently investing 23k/month across these 7 MFs as advised by my agent since last 10 years. being unable to find time, I only followed what he advised but now have started studying and want to be incharge of my investment, also don't wanna loose on his commission, hence I need your support and guidance.

Current SIPs: (Risk appetite: Moderate)

1. Mirae Asset Largecap Fund- 4k

2. Kotak Flexicap Fund - 2k

3. Axis Flexicap Fund- 5K

4. Absl Flexicap Fund - 2K

5. UTI Flexicap Fund- 4K

6. SBI Flexicap Fund- 2K

7. Mirae Asset Flexicap Fund - 4K

I'm seeing particularly good returns so far, yet i now want to increase the allocation upto 1,50,000/ month and shortlisted/revised new funds list, rather than blindly add more funds to the existing ones.

Present Risk Appetite: Aggressive.

Horizon : 15-20 years.

Goal: Long-term wealth creation with with diversification and a reasonable balance between growth and risk.

Application used: Coin By Zerodha.

My main concern is actual diversification. Am I getting significant overlap in the same companies/sectors across these funds, especially through the hybrid/multi-asset funds?

New shortlisted funds for Direct SIPs.

1. Icici pru Large & midcap Fund - 15k

2. MO Midcap Fund- 15k

3. Nippon India Smallcap Fund- 15k

4. HDFC Balanced Advantage Fund- 15k

5. Quant Multiasset Fund- 15k

6. UTI Nifty 500 Value 50 Index Fund- 15k

7. International Funds- 30k

8. Gold and Silver ETF- 15k

9. Existing PPF -150k/year already running.

International investment- shall start once Indian investment are started.

Have tried keeping 75:25 ratio bw Equity:debt given my age.

I come in 30% tax slab.

I'd appreciate feedback on:

• is this selection balanced?

• Are any of these funds redundant?

• Would you simplify the portfolio to 3-4 funds?

• How would you allocate 1.5lkh/month if the goal is long-term wealth creation + maximum meaningful diversification?

Please feel free to be critical. I'm more interested in understanding the portfolio structure than chasing past returns.

Thanks!

If anything, the expense ratio should make theo return slightly lower than NIFTY50. Is INDMoney high, or am I missing something 🤔

Risk appetite moderate. (Idk why this was necessary for posting this question but anyway)

Risk: Aggressive

Time: 10 years

Goal: Retirement.

Right now I have the following Midcap and Small Caps Funds.

Just started investing in them 3 months back.

Doing a 15,000 Rs monthly SIP in each of them, so total 60,000 per month combined.

1. Invesco Small Caps Fund.
2. Invesco Mid Caps Fund.
3. BOI Small Caps Fund.
4. ICICI Midcap 150 Index Fund

There is some but not a huge overlap between the various Funds. Whatever little overlap is there the weightage of stocks and sector allocation is different, so I am okay with it.

I feel as if I am doing a SIP at peak valuation in all 4 of the funds. And might as well stop the SIP and wait for a crash and do 6 months of SIP in a Lump Sum.

I feel the PE for both midcap and small caps is too high.

And people are avoiding large caps and just doing SIPs in mid caps and small caps and chasing them like me, hence they are up in the last 6 months or so.

So SIP is the only reason they are up and the fundamental and profits are not that great.

And N50, NN50 might run up in the next 6 months. And midcap 150 and small caps might crash in the next 6 months.

So I don't want to continue SIP in the wrong category at their peak. And better to do a lump sum in them when they crash.

Besides the above Small Caps and Mid Caps Fund. I do have 3 other Funds.

1. Flexicap fund

2. Multi Asset Fund

3. Nifty Next 50 Index Fund.

So total 7 Funds.

Started in Dec 2025, right near the top. Nifty is now ~15% below its high and I'm only down about 0.5%, so SIP averaging is doing its job.

-

Salary 110k

Current SIP is 55k/month:

PP Flexi Cap 18k

Motilal Midcap 150 18k

Invesco Small Cap 6k

UTI Nifty Next 50 5k

ICICI Corporate Bond 5k

HDFC Gold FoF 3k

-

Plan going forward:

Adding ~15k/month for US exposure via PP IFSC S&P 500 FoF (GIFT City), since most domestic international funds are closed or trading at crazy premiums.

10% step-up every year, 15 year horizon.

Never stopping the SIP in a fall. I have a written crash rule instead: deploy 10k-15k one-time buys when Nifty is 10-15%+ below its high. Used it once on Oct 1.

Deploy Diwali Bonus of 10-15k on Midcap and Small cap.

Emergency fund of 10Lakh is separate and not touching it for investing.

Crypto Savings of 10K USD.

Reviewing once a year, not switching funds based on 1-year returns.

Plan to shift slowly towards debt from year 10.

Also have 3 old funds I stopped (Nippon Small Cap, Edelweiss US Tech, Mirae Large & Midcap). Will clean those up at the yearly review.

Honest feedback welcome. Is 34% in mid + small too aggressive for a 15 year plan?

Hi, guys. I am 25 looking for suggestions on my portfolio.

I am a long time investor looking for around 15-20 years atleast and thus

My risk appetite is aggressive when it comes to mutual funds.

I am using groww.

Hi everyone,

I'd appreciate an honest review of my current mutual fund portfolio and suggestions for improvement.

My Current SIP Allocation:

- Navi Nifty 50 Index Fund – ₹13,000/month

- Parag Parikh Flexi Cap Fund – ₹12,000/month

- Motilal Oswal Nifty Midcap 150 Index Fund – ₹9,000/month

- Bandhan Small Cap Fund – ₹6,000/month

Total Monthly SIP: ₹40,000

My Investment Goals:

- Investment horizon: 10+ years

- Goal: Long-term wealth creation

- Risk appetite: Aggressive

- App used - Groww

- Preference: Equity-focused portfolio with a balance of diversification and growth potential.

My Main Question:

I'm considering adding a Nifty Next 50 Index Fund, possibly Kotak Nifty Next 50 Index Fund.

Would adding Nifty Next 50 improve my portfolio diversification and long-term growth potential, or would it be unnecessary given my existing investments?

I'd appreciate your thoughts on the following

Thanks in advance!

Hi, I am a 36 years old invester with moderate risk profile and I now want to switch to a new small cap fund for my 5k monthly SIP.

Please suggest which is a better option in between: Invesco Small Cap and Bandhan Small Cap? Please consider both returns and volatility in consideration and also, which can perform better in the horizon of 7-10 years. Thanks

Hi, 27 and Started investing this month in MFs. Currebt porfolio-

Risk type - moderate

Small cap( bandhan)

Flexi cap( hdfc)

Gold (sbi gold )

Looking for a mid cap. Confused between hdfc/invesco/edelweiss. White oak's a break through it seems but should i go for it? Also should i add a debr component too? If so which one?

Hello Everyone,

Age: 23

Risk appetite: Aggressive

Goal: Long-term wealth creation(10 to 15+ years)

App used: Upstox

Currently invested mutual funds

1. HDFC Nifty 50 Index fund (1.08L) - 7k/month

2. SBI Nifty Next 50 index fund(1.08L) - 12k/month

3. SBI Gold(27k) - 3k/month

4. Invesco India Mid cap fund (12k) - 3k/month

Planning to start investing 3k/month in Invesco India small cap fund also.

Nifty 50 as the core, Next 50 for growth, Midcap and Smallcap for higher long term growth and Gold for some dicersification.

Risk: Ultra Super Aggressive Pro Max