I have been investing in MF for past 8 years now. The understanding about the MF investing has evolved during this time.
From regular MFs to Direct MFs.
From multiple # of MFs to a very few MFs.
From large cap MFs to index funds.
From funds with overlapping stocks to less overlapping.
From funds under one AMC to different AMCs.
Here is my current MF investment philosophy, it might/might not change again
- Value fund : I decided to go with Parag Parikh Flexi cap
- Growth fund : Small + Mid cap : SBI small cap and Axis mid cap
- Momentum fund : Quant Momentum fund
- Index fund : I decided to go with UTI nifty next 50 instead of going with Nifty index fund because the % of overlap between PPFAS and Nifty 50 was higher compared to nifty next50.
Few basic principles that I follow
- I avoid theme or sector based MFs.
- I also avoid investing from third party brokerage sites like Coin, Groww.
- On days and months like June 4 , 2024 or March 2020, I invest the through lumpsum before 2 PM.
I am still learning. I hardly sell (I lack the skill of selling)
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