Wanted to know if my investments are good enough. Started way back in 2026with 4 K SIP, scaled to 40K last month where I started 10K in HDFC Defence

Is HDFC Defence (10K SIP) good to invest

Post Photo
Posting as :
works at
You are currently posting as works at

Theme based fund are risky

Your salary wont increase or decrease the riskyness of a fund

like

Please contact 'Moneyvesta' for best advice on selecting the right funds. Their team has the right expertise and helps you customise and track portfolio according to your needs

I am a FPSB certified investment planning specialist.
Investing in theme based funds is riskiest of all the equity mutual funds. Timing of entry and exit is crucial in thematic funds otherwise returns are average. Please check 10 yrs return of thematic funds on value research to understand.
If you feel you can monitor the funds and make entry and exit at right times then go ahead in thematic funds. Otherwise stick to plain vanilla mutual funds.
BTW defense as a theme is too much overhyped now. Not a good time to enter.

I have invested in Kotak Infrastructure and Economic Reform fund. Is it a good fund?

Infra is a good theme.
But like I said earlier, in thematic funds entry and exit matter. So don't love your fund 😉

Related Posts

I recently got an offer from Infosys. Just want to check if my cap my pf to 1800 + 1800 ? To the most minimum one

like

What are yall buying?

like

Which alt coin should I buy in this blood bath outside of ETH, LTC, XRP and BCH?

Is there any way to get around the coinbase fee when buying crypto?

like

Holys*it, the seller accepted my offer, i’ll be owning a condo. Surreal! Did i make the right decision in this environment??? 😱

like

We made it to 10/15. Now to do CPE and wait for the section 199a deduction to make next year's returns a nightmare.

like

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

like

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

like

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

like

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

like

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

like

How much money do you keep in your savings account?

like

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

like

What is the most you've invested into a single stock?

What is the biggest loss you've endured?

Any Deloitte people trade on robin hood?

like

Taking a personal loan of 20k or more will it affect perm (GC) process?

like
like

With the market pushing higher to mostly ath this week, are you keeping cash reserves for a slight pull back or putting money in the market today?

like

More Posts

Tonight we're meeting from 6:30–8 PM in Kobricks Coffee cafe side at 24th Ninth St, then heading downstairs to Troy Liqour Bar from 8pm–Onward located at 675 Hudson St.
Hope to see you all there!

Post Photo

QBurst is hiring data scientists with 3- 6 YOE. Deep Learning, TensorFlow, PyTorch, ScikitLearn, NLP preferred. WLB is awesome, appraisals happen twice a year and permanent wfh option is there.
DM me for referral. Happy to help :)

like

I’m a recent grad struggling to look after my health when I’m stuck in a cubicle 10+ hours a day. How do you juggle a healthy lifestyle with long hours at a desk?

like

I'm looking for a guitar instructor in the Rockville/ Gaithersburg/ Bethesda area, but I'm willing to come into the city. Any recommendations, please?

like

Is this for real?

Post Photo
like

Hi All ,

Looking for referrals .Exp:10+ yrs,
Tech stack : ML/Python/AWS/Mlops.
Please let me know if anyone can help

Any referal for UK - Data warehousing or Data Management space or Data Modeling?
YOE - 11+

What is the Apta test in hsbc ? How difficult it is?

Hi - I am a career pivot from higher education into tech and have final round interviews for a DEI Coordinator role (which I'm super excited for). I am meeting with three people that I would be partnering with for the job and it was shared with me that these interviews will mainly be behavioral as well as questions on my technical skills. Does anyone have any resources to help me prepare for this? Anything is greatly appreciated!

like

Need referral for CGI canada (does CGI Canada provide any work permit)

Would like to connect and learn more

I am an early stage career professional

like

Do it, I dare you. 😑

Post Photo
funnylike

National or Enterprise?

Hi Fishes,
Can anyone please refer me
Goldman Sachs for associate profile. I have job id with me

like

Check me here: other side attorney has already reached out to me directly via email saying that an LOI is coming… Then, she sends the LOI addressed to my client, and CC:s me only. It should have been addressed & emailed to me, and copy the business folks, when an attorney knows the other side is represented by an attorney. Am I overreacting for being annoyed?

like

Interested in Joining PWC.
Senior at mid range firm
Just passed the CPA Exams. Going through the last portion of the process, I.E waiting for everything to process and NASBA to send documents to the state board.
Live in Houston
Should I apply on the site or would an internal referral be better.

like

You guys getting pizza parties?

Post Photo
funny

Peanuts. But that's ok because I'm compensated by 'Mother culture'

likefunny

Am I the only one who does this? 😅 I have something tonight and will be home rather late & cannot risk sleeping past my alarm.

Post Photo
likefunnyupliftinghelpful

Additional Posts in Personal Finance - India

Feel free to ask any personal finance related questions here, from equity investment to CC offers. There’s nothing called silly questions, we have some excellent peers in the group to answer it.

like

A financial advise to all the students and youngsters buy a term life insurance before starting to invest in other instruments. A sample illustration will help you understand that it has a financial benefit plus a security to all your dependents incase of any unforeseen event in life.

DM me for more details.

Post Photo
like

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

like

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

like

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

like

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

like

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

like

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

like

How t save tax for 9 lpa salary. Can anybody help me out.

like

U can’t be wrong if you’re investing in index for long term

Post Photo
like

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

like

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

like

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

like

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

like
like

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

like

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

like

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

likehelpful

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal