Ghumu
My MF portfolio
My portfolio. I have SIP with nifty 100 for the last 22 months. I am thinking of starting a midcap SIP. What do you suggest?
13mo ago
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My portfolio. I have SIP with nifty 100 for the last 22 months. I am thinking of starting a midcap SIP. What do you suggest?
You don't need to bother about any diversification with this corpus. Accumulate 50L and then start thinking of other funds to put money in.
100 stocks is HUGE diversification already.
May be I can gain more from midcap MF?
That's a false narrative. Don't focus right now on seeking alpha, you're too early in your investment journey.
Alpha comes with higher volatility, that scares people off when markets turn sour. All the Mid & Small Cap heroes you see on GV will lose the shirts off their backs when you see a quick and sharp drawdown.
Focus on building a stable Large Cap core, typically atleast 50L, ideally 1 Cr. Then diversify.
I think the Nifty100 is also excessive diversification. The Nifty50 is a better and more concentrated bet.
Remember the lower category you go the higher is the time span.
If large cap cyle is 7 years, I think mid cap is 10 years.
That's new info for me.
Yes the riskier bet you take the long time it needs to compound to hedge the risk. If Midcap don't perform for 3-4 years you will panic and withdraw then in year 6-8 it will boom and you will feel guilty of it.
From: Investor from 2016 - 2018 wave
Asset Allocation matters.
Imagine your invested amount to be more in ppfas instead of nifty100.
Nifty 50/100 --> you don't invest to beat the market. It is the market.
Philosophically... Having nifty100 + ppfas in same portfolio doesn't make any sense
This is a classic example why one needs professional help.
Everyone is of the view that they can handle their own money. That is not how wealthy person/family thinks. Think like a wealthy guy not like a rich/poor guy.
I just read the title in Samuel L. Jackson’s voice.