Indian Stock Market and Mutual Funds

This is the current investment, I do get little bit of money from here and there with some content writing etc so this is the full portfolio for now:
Groww Nifty Indian Defence ETF - 5k
Tata Small Cap Fund - 2k sip
Motilal Oswal Large and Midcap Fund - 2k
Motilal Oswal Midcap Fund - 1k
ICICI Prudential Nifty Next 50 Index - 1k
 
aadilxdev said:
This is the current investment, I do get little bit of money from here and there with some content writing etc so this is the full portfolio for now:
Groww Nifty Indian Defence ETF - 5k
Tata Small Cap Fund - 2k sip
Motilal Oswal Large and Midcap Fund - 2k
Motilal Oswal Midcap Fund - 1k
ICICI Prudential Nifty Next 50 Index - 1k
Click to expand...
Do you have goals for investing? If its just a random investment plan, just stick to an index fund like nifty50 or niftynext50
Defence fund is a thematic fund. You dont know when it will go down or up. Best to not continue with this. Thing about thematic funds, you dont stick with it when they go down. Only when they go up greed takes over and you start investing. If you cannot stomach volatility then drop this.

Its good that you are thinking about investments early but if you don't have any goal then feel free to invest in yourself. Remember, that the best investment is always going to be yourself.
 
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Rayman said:
Do you have goals for investing? If its just a random investment plan, just stick to an index fund like nifty50 or niftynext50
Defence fund is a thematic fund. You dont know when it will go down or up. Best to not continue with this. Thing about thematic funds, you dont stick with it when they go down. Only when they go up greed takes over and you start investing. If you cannot stomach volatility then drop this.

Its good that you are thinking about investments early but if you don't have any goal then feel free to invest in yourself. Remember, that the best investment is always going to be yourself.
Click to expand...
Thank you so much for sharing your perspective, I really appreciate the thoughtful advice & the way you broke down things! I’ll definitely take this into account and modify my approach accordingly.

Right now, my main goal is to build the habit of investing rather than letting money sit idle. Since I’m still learning on my own (being a CS student), I’m not entirely sure where to invest just yet. But I’ll keep your suggestions in mind, especially when the time comes to invest in specific skill sets or opportunities.
 
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kartikoli said:
Easier said than done, for normal people we never know what is the right level.

Do a paper trade here to see how it goes https://chartink.com/screener/52-week-low-3
Click to expand...
how do we do a paper trade - login signup?
Rayman said:
Do you have goals for investing? If its just a random investment plan, just stick to an index fund like nifty50 or niftynext50
Defence fund is a thematic fund. You dont know when it will go down or up. Best to not continue with this. Thing about thematic funds, you dont stick with it when they go down. Only when they go up greed takes over and you start investing. If you cannot stomach volatility then drop this.

Its good that you are thinking about investments early but if you don't have any goal then feel free to invest in yourself. Remember, that the best investment is always going to be yourself.
Click to expand...
completely agree defence ETF is too volatile, unless you have been part of the story for years, older than the ETF/MF launches
 
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raksrules said:
a Rs. 500 SIP is not going to help you much
Click to expand...

Conservative calculations help temper expectations:

Screenshot 2025-01-08 at 2.03.02 AM.png

10 year return is around 200x of monthly amount, 20 year return is 750x. Of course the amount goes up as income increases over time and debts are paid off.

Does that make sense or am I missing something?
 
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rsaeon said:
Conservative calculations help temper expectations:

View attachment 219684

10 year return is around 200x of monthly amount, 20 year return is 750x. Of course the amount goes up as income increases over time and debts are paid off.

Does that make sense or am I missing something?
Click to expand...
Absolutely. Even more important at this stage is the act of investing, the learning it brings. Next time if there is a surplus, he will think of investing as an option. He'll also be aware of the emotions that arise when market moves up or down with our money.

On the other hand, if he thinks 500 isn't much to invest, next time with 5000 he might think - eh, 5k is nothing. Might as well spend it. Then it becomes a habit.
 
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Naveen_Reloaded said:
Thanks. This F&O is f*cking tempting to try.
Anyway i do regular investments though.
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F&O is like tekken where as Investing can be compared to Call of duty, You play a full game for hours to complete your mission where as Tekken will be finished in couple of min so does your money. (I don't know if you are familiar with these games but we are on tech forum so the example make sense)
babhishek said:
how do we do a paper trade - login signup?

completely agree defence ETF is too volatile, unless you have been part of the story for years, older than the ETF/MF launches
Click to expand...
I do it on spreadsheet using excel database and python to back test. If you want to test real time then there are apps that will give you virtual cash (fake) to trade. Here are few apps you can try https://fintrakk.com/best-virtual-trading-apps-sites-india-stock/#:~:text=Best Virtual Trading Apps & Sites in India:,4. Chart Mantra: ... 5 5. MoneyPot:
 
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rsaeon said:
Conservative calculations help temper expectations:

View attachment 219684

10 year return is around 200x of monthly amount, 20 year return is 750x. Of course the amount goes up as income increases over time and debts are paid off.

Does that make sense or am I missing something?
Click to expand...

That is what I am saying, one has to make sure they invest as much as they can (without sacrificing their needs and some wants in life, don't lose out on living live while investing) to build wealth.
 
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aadilxdev said:
Right now, my main goal is to build the habit of investing rather than letting money sit idle.
Click to expand...
starting early and having experience of market cycles is the right approach.
Sectoral mf/ etfs are as good as investing in stocks but often with less visibility. Don't approach them with Mf/ etf mindset. Be very cautious.
I havent followed tata small cap. Rest are good
 
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aadilxdev said:
Right now, my main goal is to build the habit of investing rather than letting money sit idle.
Click to expand...
I appreciate the sentiment and intent, and all the best to you, but just wanted to add that the "habit of investing" can be a double-edged sword unless backed by the habit of learning to separate greed and fear from the underlying analysis, which requires the ultimate levels of analytical rigor and discipline.

It would also require the ability to engage in rational first principles thinking. We have had one-way markets for far too long, which makes these factors allthemore important. In their absence, the habit of investing could easily turn into a pavlovian response, which will only be tested during a prolonged downturn like the 2008-09 episode.
 
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Does anyone here invest in US stock market? Now that RBI (or SEBI?) rules have stopped most US based funds and they are not taking any more SIPs or lumpsum, I wanted to invest in say Vanguard S&P 500 ETF or so directly. I believe we can use IndMoney app for the same.
I am aware that transferring money will mean I need to also spend bank wire transfer fees. Want to know which bank should be preferred for the same?

I have ICICI and HDFC.
 
raksrules said:
Does anyone here invest in US stock market? Now that RBI (or SEBI?) rules have stopped most US based funds and they are not taking any more SIPs or lumpsum, I wanted to invest in say Vanguard S&P 500 ETF or so directly. I believe we can use IndMoney app for the same.
I am aware that transferring money will mean I need to also spend bank wire transfer fees. Want to know which bank should be preferred for the same?

I have ICICI and HDFC.
Click to expand...
I have opted for this one for now - Franklin India Feeder Franklin US Opportunities Growth Direct Plan
Some funds like this are still allowing investments in the US market
 
goDofWar_skr said:
I have opted for this one for now - Franklin India Feeder Franklin US Opportunities Growth Direct Plan
Some funds like this are still allowing investments in the US market
Click to expand...

Return Over Time (%)
info


Fund name YTD
info
1D1M3M6M1Y3Y5Y7Y10Y
Franklin India Feeder Franklin US Opp Dir 0.93 -1.84 -3.50 5.26 6.47 33.89 11.11 16.82 17.71 15.68
BSE 500 TRI -0.15 0.53 -4.21 -3.71 -2.78 14.57 14.40 19.18 14.18 14.23


Any other US fund which is accepting investment currently ? DSP multicap invests a part in US stocks.
 
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