WobblyMarshmallow

wrong time to invest in SIPs

I currently have around 8L lump sum available to invest and was looking into equity funds. however most the SIPs are at an all time high.

I don’t wish to reallocate my portfolio a lot, so I’m looking at it for the long term (~4-5 years minimum), but wished to make sure I’m investing at the right point.

is there anyone who’s stuck in a similar situation, what would you recommend? (do think that 2024 will be more growth driven for the economy than 2023)

looking to put it in with the following split: 50% - Large Cap 30%- Mid Cap 20% - Small Cap

should I wait some time or put it directly in?

12mo ago

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FluffyCupcake

Amazon12mo

I have a fundamental question - Do you think in next 5 years index won’t move?

WobblyMarshmallow

Stealth12mo

I am confident it will, just that MF investing is new to me and the money is massive (for me) so I felt like asking folks about the timing. I know I can’t time the market, just that I don’t want to buy it at the Uber high

SparklyCupcake

Student12mo

right. i have made it in such a way that mutual funds stay for minimum 5 years.

FluffyCupcake

Amazon12mo

Go through this, https://www.etmoney.com/learn/stocks/how-to-invest-when-stock-market-is-at-all-time-high/

WobblyMarshmallow

Stealth12mo

Amazing read, thanks man🤝

SqueakyUnicorn

Adobe12mo

If you are scared, simply do a weekly SIP and deploy the money in 4 weeks.

If stocks go up, you would've got some units at a lower price.

If it goes down, you would have the opportunity to buy at a lower price.

It doesn't make sense financially but psychologically it does.

Avoids analysis paralysis and not investing the money.

Completely rational move without emotions backed by data is to do a lumpsum investment today and forget it but we are humans after all

SnoozyUnicorn

Student12mo

Exactly what i had in mind as well

TwirlyJellybean

Deloitte12mo

You can't predict market, only thing you should be comfortable is to hold. I suggest you add 15% to gold as a hedge. Market might cool off only after assembly elections. You can't completely pick bottom. You can keep deploying in parts when ever there is 1-2% fall.

MagicalDumpling

Stealth12mo

Dont stress too much about catching bottoms and tops. Focus more on investing long term in quality businesses/MFs

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