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Sunday, 6 July 2025
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மியூச்சல் பண்ட் [05/07, 6:44 am] Jeyamchok: https://youtu.be/BPIDISnraS0?si=pr09ClleUKZCIJ5w
[05/07, 5:54 pm] Jeyamchok: Please list out 3 mutual fund schemes for long term SIP say 10 years
Monthly rs. 15000
Thanks 🙏
[05/07, 5:54 pm] Jeyamchok: 1. Parag Parikh FLEXICAP fund Direct Growth or JM Flexicap fund Direct Growth
2. Motilal Oswal MIDCAP fund Direct Growth or Invesco India midcap fund Direct Growth
3. Bandhan SMALLCAP fund direct Growth or Tata small Cap fund Direct Growth
May put Rs 5000 in each category
[05/07, 5:54 pm] Jeyamchok: First lets analyse
why we should park Our major chunk of money in Large caps, then mid, then small caps.
Diversify percentage % wise... in Large cap, Middle cap. Small cap & Micro cap
Which is a ,Thumb rule for any one investing for Long time Horizon as per Mutual Fund advisors only....
Ideal percentage is somewhere between
LC 60% , MC 30%, SC 10%
Or
LC 70%, MC20%, SC 10%
[05/07, 5:54 pm] Jeyamchok: Important Considerations:
- Past performance is not indicative of future results:
While these funds have performed well, there's no guarantee of similar returns in the future.
Risk Tolerance:
Small-cap and mid-cap funds tend to be more volatile than large-cap funds, so assess your risk tolerance before investing.
Diversification:
It's generally recommended to diversify your investments across different asset classes and fund types.
[05/07, 5:54 pm] Jeyamchok: 1. PPFAS flexicap fund
2. Nippon Growth Fund
3. Nippon small cap fund
4. HDFC mid cap fund.
First one is a flexi cap fund with some exposure to four top US tech stocks like Microsoft, Amazon, Facebook and Alphabet ( Google parent company).
Second one is a Large & Mid cap fund.
Third one is predominantly a small cap fund.
Fourth is a predominantly Mid cap fund.
All the four are established AMCs with good reputation.
All the above completed a minimum of 10 years since launch and showed good performance and good risk to reward ratio.
Few months back, I mentioned that I am closing some 30 lakhs worth of bank deposits and investing in Mutual funds depending on market conditions.
Since the sharp fall in markets, from the third week of March, I started investing in the above four funds almost on a daily basis in small amounts like a minimum of 25k per day and completed more than 28L till date, because in the coming days, interest rates on bank deposits are definitely going to fall, as a response to RBI rate cut and present and likely future lower inflation figures.
Since I studied their history, long term performance, overall portfolio P/E ratio, Portfolio P/ B ratio and other risk parameters of the above four funds like Standard Deviation, Alpha etc, a bit in detail, I am of the opinion, that they are good to invest for medium to long term of 5 years and beyond.
So, I don't have any hesitation in suggesting them.
They may underperform in some years, but seen to catch up in subsequent years to come up in the first quartile of performing funds.
However, it is always preferable to watch their performance every year ( but not more frequently than one year).
Either you can make the total SIP amount as 20k ( 5k each in the above four funds or 3.75k each month in the above four as per your wish).
Regards.
[05/07, 5:54 pm] Jeyamchok: I have intentionally avoided exclusive Large Cap funds because of the following reasons
1. A few biggest large cap stocks like Reliance, HDFC Bank, HUL, ITC etc have not given good return for more than 5 years
2. Flexicap, Midcap & Small cap funds also will have some exposure in large cap stocks
3. 5-10 years returns of Flexicap, midcap & small Cap funds have been way better than large cap funds.
In case anyone particular about investment in large caps only, better select large cap index funds
I didn't include most popular Nippon or HDFC funds because of their HUGE AUM size
மியூச்சல் பண்ட் [16/05, 8:41 am] Mf Sir Sgapore Theozhi Kannappan Customer: If you want built up a Big stable Corpus with all types funds as follows
1.Flexi cap. 20%
2.Multicap . 15%
3.Value . 20%
4.Midcap. 15
5.Small cap. 15
6.Agg Hybrid 15%
each type allocation 2 funds (Maximum 12)
[16/05, 12:53 pm] Mf Sir Sgapore Theozhi Kannappan Customer: 1 Parag park flexicap
2 Quant Flexicap
3 kotak multicap
4 Edllewise multicap
5 Icici Pru value discovery
6 Sbi contra fund
7 kotak emerging equity
8 kotak equity and opurtunity
9 Motilal Oswald midcap
10 Nippon India smallcap
[16/05, 12:54 pm] Mf Sir Sgapore Theozhi Kannappan Customer: Nippon small cap just started.
[16/05, 12:55 pm] Mf Sir Sgapore Theozhi Kannappan Customer: Parag park reached maximum AUM
Better invest hdfc flexicap
[17/05, 3:31 pm] Mf Sir Sgapore Theozhi Kannappan Customer: 👌🏻These all depends on age and family requirements and various factors risk appetite.
Don't think to much just invest for future.
Tuesday, 1 July 2025
Monday, 30 June 2025
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