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Can we use an aggressive hybrid mutual fund as a one-fund portfolio?

Sriram asks, “Instead of separately investing in equity mutual funds and fixed income and then worry about rebalancing and pay taxes, why not use just one aggressive hybrid mutual fund for long term...

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How to teach kids about saving money

Sometime last year, I was on a Zoom call with a few school friends. While we were discussing the good old days and how the school system worked differently for all of us, we stumbled upon the idea of...

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Why SIP or lump sum investing need not be stopped when markets hit all-time...

Each time the market hits an all-time high, several investors get jittery and start wondering if they should stop their SIP investments or delay their lump sum investment (including STPs). Here is why...

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These MFs gained the most in AUM after 2020 market crash

This is a list of mutual funds that gained the most in AUM after the March 2020 market crash.  To ensure we account for the fund inflow and not the fund returns, we compare the NAV and AUM on March...

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Avoid these mistakes while planning for retirement

Neils Bohr, one of the founding fathers of quantum physics, said, ”If quantum mechanics hasn’t profoundly shocked you, you haven’t understood it yet.” The same is true of retirement planning. When you...

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Can I invest 50% in index funds and 50% in active funds?

Let us discuss a question from a reader who prefers anonymity: “Is it ok to invest in 50% index funds (passive funds) and 50% active funds for the equity portfolio in my retirement portfolio?” The...

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Is it ok if 40% of stocks among my mutual funds are the same?

I get this kind of question a lot: There is a 30-40% overlap in the portfolios of my mutual funds. Is this okay, or should I change my funds? How much of a portfolio overlap is OK, and how much is not?...

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Most international equity funds fail to beat the S&P 500 TR (INR)

In this article, we compare the performance of international equity mutual funds (based in India and available for the retail Indian investor) with the S&P 500 Total Return in INR over the last...

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Tracking errors of MO S&P 500 Index fund, MO Nasdaq 100 ETF and FoF

In this article, we consider the tracking errors of Motilal Oswal S&P 500 Index Fund (MO-SP500), Motilal Oswal Nasdaq 100 ETF (MO-N100ETF) and Motilal Oswal Nasdaq 100 Fund of Fund (MO-N100FOF). In...

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Stock market always moves up in the long term but returns move up and down!

The Sensex closed past 55,000 on Aug 13th for the first time, and usual trumpets from mutual fund guys blared, “stay invested! The stock market always moves up in the long term”. In this article, we...

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My lessons from investing in a midcap mutual fund via SIP for 12 years

I started an Rs. 500 SIP in Sundaram Midcap Fund (then known as Sundaram Select Midcap) for an extended family member higher education in Aug 2009. Here are some lessons on investment risk and reward...

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Why is ICICI Pru Nifty Next 50 Index Fund rated one-star?

Ramesh asks, “Dear Pattu Sir, I have invested in ICICI Prudential Nifty Next 50 Index Fund Direct Plan via SIP since 2019. I recently read your post in Asan Ideas for Wealth (a Facebook group) that...

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Four consistent midcap mutual fund performers

There are a total of 23 actively managed midcap mutual funds available for investment today. Out of these, 20 are older than five years. This article evaluates how these midcap mutual funds have fared...

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I am new to equity mutual funds how should I invest a lump sum?

This is a question received on our YouTube channel:  “Hi, I am aged 30. New to your videos and blog. I have been hooked to it for the past two days. Can you make a video on “How to invest your 60%...

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Why should I invest in equity mutual funds when there is no guarantee of...

We have often pointed out that the fate of our mutual fund SIPs is decided by “timing luck” and not because of patience or discipline or rupee cost averaging.  We have also presented the solution to...

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I don’t want to start a MF SIP now as experts claim markets will crash: Am I...

In this article, let us address a question received on our Youtube Channel and a question on many investors’ minds: “I’m planning to start my equity investment now (at the age of 26). Now the market...

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After three years of SIP investment can I book partial profits now?

A viewer on our Youtube Channel asks, ” I have been investing in index funds for the last 3 years in sip mode. Can I book partial profits now?” The answer to this question does not depend on whether...

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Can I stop my SIPs for a few months to reduce my equity MF allocation from...

Piyush asks, “Dear Pattu Sir, You have mentioned several times the importance of portfolio rebalancing. Due to the marker recovery, my equity mutual fund portfolio allocation is now 75%. I want to...

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Don’t make these mistakes while investing in mutual funds!

We list some of the worst mistakes to be avoided while investing in mutual funds.  This list is sourced from the questions we have received or encountered at Facebook group Asan Ideas for Wealth over...

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What is the benefit of mutual funds beating the index to a common man?

A viewer on our YouTube channel asks, “What is the benefit of a mutual fund beating the index? How it is going to benefit a common investor?” On the face of it, this seems like the answer is obvious,...

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