Dear reader,
Thank you for your kind words.
Please take extreme caution on anybody’s suggestion including mine. With this disclaimer let me share my thoughts based on my experiences.
- I realized later that out of MF baskets, Index funds are best for long term for retail investor. Infact I am already doing SIP in index fund. FYI.
- In my opinion AMC/ Fund houses are more concerned of gathering AUM % fees with only effort to align the MF schemes return near to Index. All the best fund of early 2000 like Reliance Vision, Growth, HDFC etc. are seen no where and people invested in these schemes are paying fees for sub-optimal return for longer period of time still today.
- Your realization is correct. There is no substitute to direct stock investing when we want more returns. Only requirement for direct stock investing is that it require full time commitment. It is no part time affair! You need to be constantly on toes for news, research, evaluating opportunities in the market. Keep things on radar and constantly monitor the PF performance on periodic interval. Your decision and judgement if right can make you wealthy in shorter time compared to MF but again direct stock investing is stressful. Coming to MF, I am also invested in PPFAS for last 5 years. My Equity:Debt ratio is 80%:20%. Check your Asset allocation first because it makes more sense than allocation within equity.
My only advice would be keep monitoring and tracking your investments regularly. For most of retailer there is nothing called buy and sleep kind of scenario.
I hope it may help. With best wishes.
Happy investing.
VK
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