FruitySpruty

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?

11mo ago

ElonMast

Amazon11mo

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

FruitySpruty

Stealth11mo

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

WiltedSignal

Student11mo

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

ElonMast

Amazon11mo

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

FruitySpruty

Stealth11mo

Amazing read, thanks man🤝

PrivateFen

Adobe11mo

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

EncryptedName

Student11mo

Exactly what i had in mind as well

MickieMouse

Deloitte11mo

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.

HappyFeet92

Stealth11mo

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

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Curated from across

AstroBubblesStealth14mo

Which mutual fund to invest lumpsum amount?

Recommend Aggressive or moderate risk appetite.

FruitySprutyStealth10mo

Doubling down on Equities?

Hi guys, I have around 4L cash lying around which I wanted to invest. Currently, I think I am in a position to take maximum risks, and see where things go. I also haven’t redeemed the 1.5L tax deduction on Section 80c so PPF and ELSS ar...

DesiTravellerContlo7mo

Where to invest Rs. 2 lacs right now?

Hi folks,

Personally, I thought I should invest in the index fund. Because, I don't want to take the risk with this amount.

But I would still like to know 2 things -

Is the index fund fine?
Is it the right time to inv...

Top comment

We don’t know your risk profile, but your statement gave me a hint of conservative. For a conservative investor...

TheNormalGuyOpen6mo

Best sip for short time

I want to invest 10k per month in sip and let's say I don't care much about risk (although not 100℅) And I plan to use that money after 3 year or 2 year, which SIP or investment should I choose to maximize my profit?

HeavenlyBatAccenture7mo

SIP investment

Hi, Can anyone suggest some SIP to invest for some large,mid cap and flexi funds for long term investment with high return?

Or get it on the stores.

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