OffTopic Questions. Need help.

I want to invest 12000 per month in Mutual fund.
Please help me to choose best 5 funds from below. How to divide SIP amount in below 5.
Planning to invest for long term. (more than 5 years)

1. Parag Parikh flexi
2. UTI flexi cap fund cap fund
3. Canara Robeco Small Cap Fund
4. Quant small cap
5. ICICI prudential technology
6. Axis small cap
7. PGIM India midcap opportunity

Thanks in Advance!!

like
Posting as :
works at
You are currently posting as works at

You don’t need to choose same type of scheme. As your sip amount is not that big choose 2 or 3 max fund.

So choose one between parag parikh flexi cap and uti flexi

Choose one between canara small cap, quant small cap and axis small cap

Now if you are choosing small cap , don’t choose midcap, as many smallcap fund already have the exposure of few midcap stocks.

Icici Technology fund is good but its thematic and get triggered on(gives good returns) specific cycles.

My suggestion will be as below.

Parag parikh flexicap - 6k
Nippon india small-cap or axis small cap - 6k

helpful

Thank you for your detailed response.
So you are suggesting to go for max 3 funds. Then which will be the third one according to you?

I was planning to choose 2 flexi cap, 2 small cap. And 3k SIP in each.

Don’t go for so much funds. Ideally select 2-3 & invest. Reason is mostly if you check the factsheet of these funds you’ll possibly find they’re invested in same companies.

One of my pick from the list would definitely be PP Flexi Cap as I’m invested myself for quite sometime. Rest I don’t track.

helpful

I don’t invest in any small cap fund. Plus don’t just invest as people are saying thoda research bhi karo funds ka. Where they’re invested what are the managers say about their investments, etc. At the end of the day its your money.

Related Posts

I have a 100k to put into into crypto, don’t need the money for 3 years, what should I buy, I’m 25 Btw if that matters

like

Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

like

To CA here.

If I have capital gains of 4000 rupees. But my annual salary is less than 50 L.

Which ITR I have to file?

like

Just saw my credit score drop 27 points for no reason today. Does this happen occasionally by mistake, and can I expect it to jump back up? Monitor my credit daily and have no missed payments or other issues that I think would justify this.

like

Have you calculated how much total tax you pay each year? Last year I made $185K and paid $68.5K in total taxes, which includes federal income and payroll taxes (social security and Medicare) and state income tax. 37% of net income went to taxes. How much in taxes are people paying?

like

What's your recommendation on best & easiest to use online broker? I plan to do a backdoor roth for the first time this year and open a taxable investment account for index ETFs (already max 401k and HSA)

like

We are all spoiled in wealth in this industry. Thank you to consulting for a salary 2x the average American salary that has allowed me to pay off 27k in student loan debt in 1 year.

Life hack: I grew up poor, lived off of 10k a semester in college, I can pay all my living expenses at 60k, the gap between 60k and my 144k salary is used to pay off loans (72k) and invest.

like

I make 120k. Is it worth getting an accountant just yet?

likefunny

Is CIBC capital markets a good investment bank?

like

What would you consider to be F u money?

likeuplifting

Outside of personal experiences, what books or publications have taught you the most about options (trading)?

like

Newbie investor asked me a question, they have $5k to invest and were wondering if they should put it in an index fund (S&P500 - which is what I’d normally recommend plus DCA thereafter) or if they should buy AMZN given that it is well off of its highs, is a solid company and would, in 12-18 months, likely grow faster than the S&P, as interest rates normalize over that time period, etc. That got me thinking… so I’m asking all of you, what would you do/recommend?

like

Has anyone heard of wafra and their alternative investments group? They seem kind of secretive and there’s not much I can find on the deals that they’ve done.

like

Anybody have some good leads on housing in NOVA?

like

Friends I’d love some help- Finally had a transparent convo w my parents about their finances. They were hit very hard in 2008 in their mid 50s, have recovered a bit but now they’re 65+ and need some advice. They have roughly $250k home equity (and ~$230k mortgage at 3.1%). $90k cash. Then $250-300k in IRA (80/20 equities/fixed income). Get ~$4k/month combined social security. No long term care insurance. Use Medicare + pay $250/month for supplemental health care. Cont in comments

like

Just got my tax return (Finally!!!🙏🏾) any stocks/ cryptos that are great buys right now?? Thanks In advance

likefunny

Help: ceiling has been leaking every time it’s rained/snowed for last two months. Steady drip near the doorway to a bedroom. Landlord has sent roofers 4-5 times, never once helping. Can we withhold rent? It’s becoming absurd. Any help appreciated

like

If you had to spend $1200 or so rn in order to get a credit card spending bonus what would you spend it on? Could be on more than one thing.

likesmart

Opinions on investing in REN?

like

Does anyone have a recommendation for a tax professional in the LA area? I have a mix of assets: real estate, stocks, start-up equity, etc., and want to find someone to help manage my taxes moving forward.

like

More Posts

like
like

Has anyone worked for The Segal Group in their claims department? How is it and how is working at this company? Pros? Cons? Thank you.Segal

like

Hi All,

I recently accepted a new offer in the DMV area and am looking to sublet my 2BR apartment starting September 1st. Some details below:

2BR / 1 BA
Rent: $2,800 ; Fixed Utilities: $130/month
Luxury Building (The Ledger)
Location: Old City (Right across from Independence Hall and next to Washington Square Park)
930 SF
24 Hour Security, Gym, Study Lounge, Package Room, Mailroom.

Please DM if you or anyone else are interested!

For all moi deviants, you break that wall and rock on!

Post Photo
likefunny

At a party, would you be more attracted to a social butterfly guy/gal who talks and takes pics with everyone confidently or a shy guy/gal standing in the corner comfortably?

like

Hi Guys ,

I have been offered a temporary contract role of one year .
Is PF and Gratuity mandatory even for contract employee .
The employee have provided a letter of intent with PF and gratuity component included in the CTC .

Well I had to agree for a salary less that my mentioned expected salary as i was laid off 7 months back .

Please advice

Thank you

What PhD and EdD degrees have you considered, and why?

Why are you a Partner? How high up are you on the partnership totum role (10 being Global CEO, 5 being a Global Competency Lead - $300+M, 1 being a new Partner)? What is your next aim within the firm?

like

Hi fishes, trying to get some info on M salaries/TC at MBB/OW/likes. Will help with internal exercise to update salary levels. Any guidance would be really helpful. Thanks

like

"We're getting two girls and a gay goat."

likefunny

How many projects are you usually working on at a time?

like

Can an employee get anything if their employer offers no pay with FMLA?

like

Please tell me my in hand salary in Wipro

Post Photo
like

What will be mine take home salary?

Post Photo
like

Hi folks,what would my in hand salary?
GE Healthcare

Post Photo
like

If you had to guess… What are top reasons why new digital agencies fail?

likehelpful

Need a genuine review of scaler msdl course. Is it worth the cost of 3L?

like

Has anyone recently had to go through a background check to lateral? Been waiting on Cook County to respond to the third party criminal record check for a few weeks and trying to gauge how much longer it will take 😩

Hello Folks,
Does
UST provides variable every 6 months. On offer it’s mentioned as annual component, but HR is saying it will come every 6 months.
Also for PF deduction, do they deduct only minimum value of 2100 and we can’t get it altered to 12% of basic pay. UST UST Global

Thanks

Additional Posts in Tech India

Has anyone here in India got vaccinated with Pfizer or Sputnik V?

Hi fishes!

Right now I'm working as an Android developer. How to prepare myself as an Application Architect for the future profile?

like

Happy Monday! Have a successful week ahead. 👍

like

I was interviewed at AIS for a manageral level role. They discussed everything beforehand like every company does even my NP and Expectations. After that my 1st round was held which went well. 3 Days later i was told I'm shortlisted for final round but my NP and ECTC is higher which has been sent for approval. It's been 3 weeks now and they are still saying it's sent for approval. How was i interviewed then if they already knew about my NP and ECTC. Anyone has any idea what does this mean/say.

like

Hi Fishes,

Please suggest best choice among below 2. CTC offered is nearly same for both

Role : QA Automation Engineer
1. Value Labs
2. Thomson Reuters

like

Accenture is giving me a variable pay of 27% in the CTC. How much of it I can expect to receive in reality?
Please help me with your experience fellow fishes.

Working hard right after getting promoted sucks

Hello Citi India,

How much CTC can i expect for application support analyst c10 role.

Please help me with your answers.

like
like

Do you feel like people in their 30s are more motivated than others?

like

How much joining bonus a company can offer..? is there any calculation based.?

Do you think your team is overstaffed or understaffed?

like

To CA here.

If I have capital gains of 4000 rupees. But my annual salary is less than 50 L.

Which ITR I have to file?

like

Give us ur definition of the phrase 'toxic environment'

like

How did you meet your partner?

like

How much does athompson Reuters pay for Senior Analyst, Risk Analysis?

like

My salary is 21.5+20%(annual bonus)=26lpa
YOE:8
Tech stack:AWS, Azure, .Net Full-stack Developer

Is this good considering current market?

It’s been 3 years in my current company and I’m planning to switch now. What can I ask as a salary expectation?

like

Am I a faliure?
Is my career finished?
Current CTC : 4.9
Next CTC : 7.3 lpa
Tech Stack : None

😭😭

like