Mutual funds & investing
Mutual funds, SIPs, index funds, asset allocation and markets. 41 posts, newest first.
-
When markets rise, they sell optimism. When they fall, they sell fear
A few years ago, when markets hit new highs almost every other month, I remember an Influencer proudly claiming he kept investing his clients' money even as markets touched new peaks.…
-
Use the market fall to move from Regular to Direct plans
The market correction may have created an opportunity for some MutualFund investors. Not to buy more, but to clean up what they already own! Over the years, many investors have accumulated…
-
Stopped your SIPs because of the noise?
Recently, I met a young professional during my carpool working at an Algo trading firm. Our conversation moved towards investments. Since his employer restricts direct equity investing, he…
-
₹9 crore at 32? SIPs helped. So did loans and family
Would you have clicked this article if the headline was: "₹9 crore net worth at 32? SIPs helped. So did Loans, Family support & a major Assumption" Probably not.
-
“I am different. I will make money in F&O.”
“I am different. I will make money in F&O.” I keep hearing some version of this surprisingly often! “I understand charts.”
-
“But my MFD provides a lot of service”
“But my MFD provides a lot of service.” That was the argument a friend made when we were discussing my recent post on Direct vs Regular MutualFunds. He and his wife continue with Regular…
-
₹27,335 crore paid in MF distributor commissions
₹27,335 crore. That's the amount paid as MutualFund Distributor (MFD) commissions in FY25. And here's the interesting part: A large part of this cost could be avoided by investing in…
-
Is Parag Parikh Flexi Cap suddenly a bad fund?
Suddenly, everyone has an opinion on why ParagParikhFlexiCap Fund is a bad MutualFund to Invest in! Let's try to remove the 'noise' before making a decision. 1️⃣ Equity doesn't owe…
-
The noise around US investing has gone quiet
Have you noticed? The noise around US investing has suddenly gone quiet! A few months ago, it felt like every finfluencer had become an expert on the S&P 500.
-
The one money advice I give people in their 20s
"What's the one financial piece of advice you give someone in their 20s?" Recently, one of my carpool partners asked me this, knowing my interest in PersonalFinance. She expected the usual…
-
Which is the “best” asset right now?
Which is the 'best' Asset to invest in right now? Recently, a friend reached out with this question. With Indian equities giving flat returns over the past 2 years, many investors are once…
-
Markets are irrational, and that's normal
“Markets are Irrational; they are driven more by Sentiments than by Facts.” People often get offended when I say this. Many feel that hours of research, balance sheet analysis, and…
-
“The rupee will cross 150!” Calm down
“Rupee will cross 150 against the Dollar! The IndianEconomy is collapsing!” A friend called me in panic mode after watching a podcast. And honestly, this is becoming a pattern these days -…
-
An advisor who never lets you withdraw
Recently, a friend reached out with a rather unique problem: “My MutualFund Advisor never lets me withdraw money!” During bull markets, the response would be:
-
How do you know if your mutual fund is actually doing well?
“How do I know whether my MutualFund is actually performing well?” Recently, while discussing markets with a friend, she said: “Markets are down, so naturally my Mutual Funds are also down.”
-
25+ mutual funds in under three years: why this Kolaveri?
Recently reviewed a colleague’s MutualFund Portfolio. Portfolio age: < 3 years, Number of funds: 25+! I asked: “Why this Kolaveri?”
-
Oil, the Strait of Hormuz and a scary-looking equation
ΔO_BSOH > 0 ⇒ f(f(O)) > f(O) Can you decode this? At first glance, it looks like a complex equation.
-
Record SIP inflows in a volatile March: maturity or marketing?
March 2026 was a volatile month for equities. Yet… Equity MutualFunds saw ₹40,450 Cr inflows! SIPs hit a record ₹32,087 Cr!
-
The unluckiest equity investor vs the boring debt investor
Unluckiest Investor vs a “Boring” Debt Investor, Who wins over 35 years? Most would instinctively say: “Equity investor, obviously.” After all, we’re told:
-
A tough day to be a market analyst
Tough day to be a market analyst yesterday 😄 Till around 1 PM, the narrative was clear: - “Global cues are dragging the markets down.”
-
Checking your net worth every day is a bad idea
A colleague looked unusually sad for the last few days. So I decided to have a small chat with him. The reason for his distress was quite surprising.
-
Why are we so lazy with our own money?
Why are we so lazy with our own Money? We negotiate fiercely for a 5% salary hike. We switch jobs for a 20% jump! But when it comes to Investing? We outsource our brains!
-
Parag Parikh joins the index fund wave, with a twist
📈 ParagParikh Finally Joins the IndexFund Wave… But With a Twist! With the rising popularity of Index Mutual Funds, I’ve often wondered when one of India’s most trusted AMCs - Parag Parikh…
-
“Only mutual funds for me, no stocks.” Not quite
🚗💬 A Carpool Conversation That Revealed a Bigger Problem! Today, during my carpool, our chat drifted toward investments. One of my co-riders said confidently, “I don’t invest in stocks.…
-
Fund managers bought the IPO. Should you?
📈 “If MutualFunds and NPS Fund Managers are investing in an IPO, why shouldn’t I?” Recently, a friend asked me this exact question. He wanted to invest in an IPO, but after reviewing the…
-
₹50 lakh crore in equity funds, and the expense ratio bill
The Assets under Custody (AUC) of Equity MutualFunds in India have crossed ₹50 lakh crore in October. In just two years, the industry asset base has doubled! As we know, every Mutual Fund…
-
The Lenskart IPO valuation debate
The LenskartIPO has split the market right down the middle. One camp is ridiculing the lofty valuation, while the other is busy justifying it. Last time we saw such a heated debate was…
-
The biggest investing risk: herd mentality
The Biggest Risk in Investing: The HerdMentality! Till recently, no one was really interested in Gold; even if anyone was recommending it, people were running after more flashy assets!…
-
Want to become a mutual fund distributor now? Think again
Recently, a friend told me he wanted to become a MutualFund Distributor (MFD), inspired by a similar story as covered in the picture attached, and asked for my advice. With the rapid rise…
-
AI is already creating stock market casualties
AI Is Already Creating StockMarket Casualties! Not all companies are winning in the AI revolution; some are getting crushed. Here’s who’s feeling the pain: 🎨 Creative & Media Editing –…
-
Nykaa, a finfluencer and the business of selling fear
Nykaa received a lot of unwarranted attention recently, all thanks to an unsolicited post by a Finfluencer. As the post went viral, many more finfluencers joined the bandwagon! As usual,…
-
Jio BlackRock's ₹17,800 crore NFO start: what's in a name?
What’s in a name? Ask JioBlackRock! Three NFOs (New Fund Offers) launched under the Jio BlackRock banner have already collected ₹17,800+ crore! Instantly putting them among the top 15 fund…
-
Why I recommend index funds, not trading
“Why do you always recommend IndexMutualFunds and not trading strategies?” I get this question more often than you’d imagine! Most people say, “Index gives just 10%. I can easily beat that…
-
“I have a lump sum. Where should I invest?”
“I have a LumpSum. Where should I invest?” A friend recently asked. Before suggesting anything, I asked him a simple question: “What % of your total portfolio is this lump sum?”
-
Your MF platform shut down? Your money is safe
When your MutualFund investing platform shuts down, don’t panic! A friend recently called me in a panic, the platform he used for investing his life savings in MFs was shutting down. "Will…
-
“Great returns, but I don't trust the fund now”
“The fund gave me great returns, but I don’t trust it now.” That’s what a friend told me when she called last week, thanking me for recommending a MutualFund that delivered solid gains.…
-
Markets zoomed Monday, crashed Tuesday. Stop checking
Markets zoomed on Monday. Crashed on Tuesday! On Monday evening, my friend messaged: "Can’t wait to check my mutual fund portfolio tomorrow!”
-
The market fell, and suddenly index funds are bad?
With the recent market downturn, a chorus has risen against Index MutualFunds. Wealth managers loudly advocate for a switch to active funds, citing the apparent underperformance of index…
-
He invested ₹5 crore at Nifty 26,000. Then the market fell
A few months ago, when Nifty reached a new peak of 26K, a prominent fund advisor cum finfluencer boasted about investing ₹5 crores, proclaiming that market peaks were inconsequential due to…
-
Analysts' target prices and predicting the future
Analysts roll out their meticulously crafted target prices for stocks and indices every year, leveraging advanced StatisticalModels (trend analysis) to predict the future. These targets…
-
A scheme that was too good to be true
Recently, a friend sought my advice on a new investment scheme that promised sky-high returns. After hearing the details, the scheme seemed too good to be true, so I advised him against it.…