Investing tips?
When you look at this market, everyone seems to be sharing PMS services for 50+ Lakhs
Any suggestions for companies that do this but for below 50, common people. Expecting somewhere around 5+.
Happy to see your recommendations!
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Till you have 50L in equity don't veer off investing in a single Index fund + debt + gold. (My reco is 60/20/20).
Once you have 50L equity diversify across multicap tiers (mid / small cap) using smallcase / MFs.
Once you have 2 Cr in equity, think about a PMS. PMS is an expensive product - I don't think most people need it, but some subscribe to them chasing alphas.
Oh, so do you mean I should invest 30L in index fund, 10L in debt fund and 10L in gold first?
Is there a reason why so. Happy to know and maybe follow.
Build a sizeable low volatility high quality corpus first. 50L in a single index equity fund and proportionate investments in debt (epf/ppf/fd/etc) and gold (sgb/physical/etfs).
Diversification is pointless with a low corpus. Concentrated portfolios offer more control, superior risk mitigation and as a result better returns.
Most people start off with buying a handful of funds (a couple each of large / mid / small cap, some sector funds, some small cases, some flexicap, some international, elss for tax saving) that are not efficient on returns because you're spread too thin.
Smallcase weekend investing
And what in that?
Pick some portfolios as per your goals and risk appetite. You can also talk to Alok on Twitter.
Not a full fledged fund management company, but if you need recommendations, there are several companies and apps for such smaller amounts, one I know- IndMoney app. You can check their paid version. Just a disclaimer:- I have never used their premium/paid version, but I just use the app as a free use version.
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