What Investment mistakes you made that you want others to avoid?

xkcd0137 said:
Can you give some ballpark? Coz I have been investing in some MFs since 4+ years and I am getting 20-43% returns in all.

I am investing in stocks as well and have made good returns mostly 30%-70% in all stocks, but since my capital is not a lot, profits are not that large.

Congrats.

Hit the nail!
Imo, for people with less knowledge of capital markets or time to study the books of a company or for someone who can spare some amount for SIPs but doesn't have much lumpsum, MFs are a good deal if chosen wisely.
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Returns for the entire bouquet were on an average 10-12%. Most of them were conservative funds.
 
Sammoka said:
Go for an SIP in mutual funds, gold should only construe at max 5% of your entire portfolio otherwise should be 0, also what other assets do you have? Your normal income, how much of that can be invested every month? Are there any major financial obligations you are looking for - marriage, buying a car, house etc
Would you continue in India or later on move abroad more info would be helpful
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50% of my income I can invest, already married, dont have any loans right now, but have plans to move out of India.
booo said:
Going by the thread title; don’t take advice from internet strangers and also don’t post personal financial details on public forums.

people giving advice to you have nothing to lose and they don’t care if you don’t gain.
think about it.
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deleted it from the main post, can you also delete it from your reply since its posted
booo said:
Going by the thread title; don’t take advice from internet strangers and also don’t post personal financial details on public forums.

people giving advice to you have nothing to lose and they don’t care if you don’t gain.
think about it.
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deleted it from the main post, can you also delete it from your reply since its posted
Sammoka said:
Go for an SIP in mutual funds, gold should only construe at max 5% of your entire portfolio otherwise should be 0, also what other assets do you have? Your normal income, how much of that can be invested every month? Are there any major financial obligations you are looking for - marriage, buying a car, house etc
Would you continue in India or later on move abroad more info would be helpful
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@Sammoka, can you also delete the post since its quoted. or any admin can do it?
 
X-Gamer said:
50% of my income I can invest, already married, dont have any loans right now, but have plans to move out of India.

deleted it from the main post, can you also delete it from your reply since its posted

deleted it from the main post, can you also delete it from your reply since its posted

@Sammoka, can you also delete the post since its quoted. or any admin can do it?
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Deleted the message for your convenience
 
vishal_k said:
Everything depends upon your income, expenditure/liability, whether you are a govt. employee, pvt. sector employee or self employed. Better to consult your CA/ financial advisor. No investment is good or bad but every investment have their own perspective of gain and that depends upon the risk the investor is willing to take. And as @booo suggested, your financial details should only be with your family and CA.
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Hi visal, can you delete my original post from the quote, thx
 
Chaos said:
I wasted lots of time on mutual funds and didn't see appreciable returns over 10-15 years. Just around inflation rate or maybe a bit more.
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You picked up bad funds or something else went haywire. As you said stocks (if you know which ones to buy) can give better returns :)
Chaos said:
Returns for the entire bouquet were on an average 10-12%. Most of them were conservative funds.
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Good mfs usually hover at 15/20%.
 
Chaos said:
All the gains are in the last 2 yrs. Before that, it was like 10-12 percent as I stated. In the last two years, I more than quintupled my money investing directly. 20% is peanuts.
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Last year anyone who invested became richer. 20% is not peanuts for MF returns.

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MFs can't match direct investments! So you are doing the right thing.
 
I have got to know about something called "Smallcase" last week and checked out one video. Although on paper it looked good, I read through the youtube comments and people told that with smallcase, they keep doing rebalancing which causes them to sell shares randomly and that means we have to pay STCG.
 
raksrules said:
I have got to know about something called "Smallcase" last week and checked out one video. Although on paper it looked good, I read through the youtube comments and people told that with smallcase, they keep doing rebalancing which causes them to sell shares randomly and that means we have to pay STCG.
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Yeah, stay away from smallcases.

www.indiainvestments.wiki

Should I invest in smallcase? | r/IndiaInvestments

Smallcase has tools which can help managing a stock portfolio better than most platforms. But do your own due diligence, before you invest in a smallcase; and not just because the CAGR looks great.
www.indiainvestments.wiki www.indiainvestments.wiki

https://www.reddit.com/r/IndiaInvestments/comments/n5bk0e
 
Haven't necessarily followed all the details being discussed here nor do I live/invest in the Indian market (at least not directly).

My personal investments are heavily influenced by the so called Boglehead philosophy that was originally championed by John Bogle (of Vanguard fame). You essentially buy the market via low cost index funds and stick with it long term. I keep a relatively minor portion of my portfolio in direct investments made into companies that I understand and am exposed to on a daily basis to satisfy my stock picking urge.

The Bogleheads forum/wiki are a treasure trove of investment advice and I'm fairly certain a lot of it can be mapped to the Indian context - https://www.bogleheads.org/wiki/Main_Page
 
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