I don’t have much knowledge about investing, for now i have following investments
Now I want to get serious about investment and want to do monthly SIP so seeking for suggestion on what I should do SIP ? For now I am thinking to do monthly SIP in Nifty 50
For now I have appetite to invest 25K per month.
Why don't you do a little bit of research yourself and that way you will understand how personal finance works too...or sab gyaan muft mein chahiye?
Go easy buddy. Asking such questions and discussions also can be part of the "research"
I somehow disagree. Most of us pay very little focus towards personal finance and that's an issue because everyone wants to just get advice for free...all I am suggesting is in this digital age every single information is available on the internet from extremely basic level to advanced ones ..if only people start investing 1 hr each week on learning...asking people for advice isn't bad but it's becoming a habit these days .. personal experience though and not targeting anyone as such
With 25k a month as investible corpus, Nifty 50 MF or ETF is your best bet.
Don’t jump onto stocks unless you have 5L to invest in one stock. The effort v/s ROI doesn’t make sense lower than that.
It does make sense to invest in stocks even if you don't have a large capital base.
Starting off with small capital might not translate into a huge sum but definitely helps in understanding how stocks work, how markets operate.
Eventually when you have enough capital, leverage that to invest wisely.
I don't understand why the ROI doesn't make sense if you can't invest 5L in one stock. In terms of percentages, the returns would be identical regardless of how much disposable cash you have, right? Not arguing, just trying to get your perspective on why you think it's a bad idea.
For 90% retail investor broader ETF and MF SIPs beat their own stock selection. Nothing wrong in starting with a SIP in 3 different segments. If I were you I’d start with 40% in large cap or Bluechip mfs (nifty etf should also suffice) 15-15 mid and small caps each. 30% in debt securities. This creates yours usual 70-30 portfolio. Tweak the portion as you seem fit.
There is important rule which I always say - Nike, just do it. Don’t just research and wait for best time to enter. If it’s SIP timing doesn’t matter.
This^
Have most of my long term investments in mutual funds and a few in stocks Have seen over 5 years that having a nice split on mutual funds (40:30:30) types across large, mid, small cap is usually a good strategy, if you pick the right funds
I'd say given how India is supposed to grow over the next 10-20 years, it's a no brainer to be invested in the above.
Depends on your goals really, but since you mention long term investment, Equity based mutual funds are your best bets. Apart from it you can also have ELSS funds for saving tax. I can therefore suggest you two funds from my portfolio
ICICI prudential nifty alpha low volatility 30 etf FoF direct growth: It's a Fund of fund on ICICI Etf fund of the same name. The ETF is actually tracking Nifty low volatility 30 index. It's different from usual Nifty 50 index as it is regularly adjusted by NSE on the basis of Alpha and Volatility of stocks. The index has performed better than nifty 50 and NSE actually has a research paper comparing it's values against Nifty 50. You can check them for yourself.
Quant Tax plan direct growth : Quant is an absolute beast in terms of mutual funds with high returns. This ELSS fund is best in class really.
I actually have around 8 funds in my portfolio all from debt to ELSS funds. I actually optimised the share of my sip amount to each fund on a crude analysis of maximising Sortino ratio of my portfolio along with different goals . You can optimise for something else and deduce your share of 25k you want to put in any fund.
Btw, do any of you invest in US stocks out of India?
Has that strategy played off? Never got into it, but seems like a fair idea as long as taxes aren’t screwed up
Only through MFs
Bought NASDAQ ETF when it was beaten down, now I’m up 25% in the last 6 months
Start with 20k Nifty + 5k midcap
15k - Nifty50 10k - US based mutual fund.
Start with index funds, after some capital accumulation of around 15-20L, consider real estate. You can use leverage.
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