Need Help with SIPs

Couple pro tips (5 years exp):

1. Go for direct plans over regular plans
2. Measure NAV drawdowns to compare MFs instead of just their returns
3. Believe in longevity- ensure AUM is at least 400Cr and CAGRs over 3-5 years are considered
4. If you want to do STP, go with SOA type MFs instead of Demat type (modern) MFs as it's easy to directly transfer from a liquid fund to a investment target fund from the same fund house in SOA type account as it does not credit and debit amounts in our bank account in between the NAV swaps. But go for demat if you prefer ease of claim, nominee addition, etc.
5. Do smart conditional SIP. Initially set a fixed amount of SIP in your choice of funds per month, then pause that SIP for months when Index breaks ATH, step down SIP when it trades in top half range of ATH, step up SIP when it trades below 10% from ATH and continue stepping up subsequently if it dips 15%, 20%, 25% from ATH.
6. Do SIP in at least 1 multicap and 1 flexicap fund as you will get a range of differently sized companies in your portfolio.
7. Park your funds in Gilt Funds to get assured 8%±1 returns in case you are waiting to time any bulk entries because if you keep in bank, you'll get 3% interest and even if you had FD, you'll have to break because dips won't come on the date of FD maturity.
8. When partially withdrawing from MFs, ensure to exit NAV units lesser than what you entered in through SIP in the same financial year to avoid STCG taxes.
9. Use popular brokers and popular platforms to work with always. You have lots of choices so nothing to worry just don't pick platforms that many have not heard of.
10. Watch Shankar Nath & SOIC on YouTube for good content and keep discovering value adding content creators.
11. Validate and proof read to resolve all your doubts using gpt, make key notes so you don't forget important queries and answers
12. Track previous record of the current fund managers of your choice of MFs. Use LinkedIn and moneycontrol to unravel their history.
13. Ensure there's little to no intersection of investments across multiple selected mutual funds. If different funds have common positions in same stocks, portfolio will go down very fast.
14. Minimise expense ratio when selecting funds and keep an eye on whether there is any exit load, if there is, check the terms & conditions, sometimes the exit load is high but it falls off really quick (ex: exit load becomes 0 if you don't exit within 15-30 days in some funds).
15. Diversify allocation across comodity, debt and equity funds so that you have sufficient playing cards when crashes happen to swap units and average down into equity funds.
16. Activate sweep/auto-fd/active money facility in your bank account with relevant threshold so when funds credit/debit you don't have to bother with making or breaking FDs or micromanage your finances as per maturity dates.
17. Study about different sub-categories of equity mutual funds: large cap, mid cap, small cap, multi cap, flexi cap, opportunities fund, thematic funds, tax saver funds, etc and associate a barrier to expense ratio where a fund manager cannot display their full potential due to categorical restrictions of that fund. Watch Pranjal Kamra's video to know about these categories in detail.
18. Discover forums and groups to know what others are doing and most importantly WHY. Use Valuepickr, reddit, discord, grapevine, etc to connect.
19. Always try new platforms and new features on each platform and try to participate in different investment opportunities with smallest ticket size to have a tracking position and learn pros and cons.
20. Continuously keep looking for flaws in your entire financial plan of action to spot and eliminate any sure vulnerabilities.

Lastly, remember no matter how painstakingly careful you were, there is always some luck involved in the markets so all the best!!

The funds you've invested are actually good funds. The market is correcting hence this year you'll not notice much returns. If you want you can add 1 flexi cap fund as well. But overall this portfolio looks good

Need to think long. Don't judge after 1 year.

How did you measure returns? Is it XIRR? Your brokerage app should show XIRR. Since last SIP had just 1 month for returns and first SIP about an year; you need to use XIRR

Why you think you are doing something wrong?

Follow constance in sip in long term you will great results

Only go for a small cap fund if the investment period is greater than 5 years.

Yes, it is good only. Keep investing.

I do it out of bed alone. What are you guys even discussing about.

Can help, if you wish. DMs open