MF
Missfresh Limited
stock NASDAQ

MF vs. ETF

Hi all,
Looking for some help in reviewing my wife’s existing portfolio and also how both of us can plan our future investments better — SIPs and lump sums — for long-term goals like child’s future, buying a house, and wealth creation. We are both in our early 30s, with a stable income and a baby on the way.
**Wife’s Existing Portfolio (Mutual Funds & Stocks)**
* Quant Small Cap: ₹6.95L → ₹7.16L (+₹21K)
* UTI Nifty 50 Index: ₹6.29L → ₹6.32L (+₹3K)
* Parag Parikh Flexi Cap: ₹6.20L → ₹6.71L (+₹51K)
* Kotak Emerging Equity: ₹1.60L → ₹1.70L (+₹10K)
* Parag Parikh Tax Saver (ELSS): ₹54K → ₹59.5K (+₹5.5K)
* Mirae Asset FANG+ ETF: ₹59.7K → ₹65.3K (+₹5.6K)
* BajajHFL: ₹15.6K → ₹12.2K (–₹3.4K)
* ITC: ₹38.9K → ₹43.3K (+₹4.4K)
* ITC Hotels: ₹5.8K → ₹2.2K (–₹3.6K)
* RVNL: ₹7.5K → ₹7.8K (+₹366)
**Total Invested:** \~₹22.85L
**Current Value:** \~₹23.79L
**Net Gain:** \~+₹93.8K
She also has:
* ₹9L in FD
* ₹8L in PPF (no monthly contribution)
* ₹1L in NPS (no monthly contribution)
She can invest **₹1.6L/month via SIPs**, and we’re seeking suggestions on fund selection, diversification, or consolidation.
**My Situation (Husband)**
* Currently not investing in MFs or stocks, but want to start.
* I invest:
* ₹25,666/month in NPS (via employer)
* ₹3,600/month in EPF
* ₹64K/month in company ESPP (15% discount + lookback)
Post deductions, I’ll have **₹60–70K/month** available for SIPs.
Also receive:
* **₹59K bonus every 3 months**
* **₹4.5L from ESPP every 6 months**
Would love suggestions on how to structure my SIPs and where to park these lump sums.
**Assets & Liabilities**
* Already own a house in my hometown worth ₹1 Cr+ (no rental income); ₹50L loan still pending.
* Planning to buy a **3BHK in Bangalore soon** (\~₹3 Cr budget).
* Baby on the way – want to plan for:
* Child’s education corpus
* House down payment
* Overall long-term financial stability
We’d also love to plan for **1 domestic + 1 international trip every year**.
I assume **retirement will be mostly covered via NPS, EPF, and wealth compounding**.
**What We Need Help With:**
1. Review of my wife’s MF portfolio — any overlap, underperformers, or funds to remove?
2. SIP suggestions for her ₹1.6L/month — allocation between equity, debt, intl, etc.
3. SIP suggestions for my ₹60–70K/month (starting fresh).
4. Where to park:
* Quarterly bonus (₹59K)
* ESPP returns (\~₹4.5L every 6 months)
5. Child-focused corpus — where/how to build it?
6. Any missing exposure to asset classes (debt, REITs, gold, intl)?
Risk Appetite: Moderate to high (long investment horizon, stable income, comfortable with equity exposure)
My wife’s portfolio (~₹22L) is fairly diversified with large-cap (UTI Nifty 50), flexi-cap (Parag Parikh Flexi), small/mid-cap (Quant Small Cap, Kotak Emerging), and ELSS exposure. The mix seems decent for long-term goals, though we’re reviewing overlaps and underperformers. Thematic FANG+ ETF exposure is small but we’re open to capping it. She also holds some direct stocks, of which we may exit weak performers like ITC Hotels. With ₹1.6L/month available for SIPs, we’re seeking guidance on ideal allocation across equity, debt, and other asset classes to align with goals like child’s education, home buying, and wealth creation.
Thanks a lot in advance 🙏
Open to any suggestions, and happy to clarify further!

MF returns are not for people with less than 7 year horizon. for goals that are 3 and 5 years far, it's v v risky too. also, no 1K was first sip, there's a gradual increment in sip each year.

Hi all,
Looking for some help in reviewing my wife’s existing portfolio and also how both of us can plan our future investments better — SIPs and lump sums — for long-term goals like child’s future, buying a house, and wealth creation. We are both in our early 30s, with a stable income and a baby on the way.
**Wife’s Existing Portfolio (Mutual Funds & Stocks)**
* Quant Small Cap: ₹6.95L → ₹7.16L (+₹21K)
* UTI Nifty 50 Index: ₹6.29L → ₹6.32L (+₹3K)
* Parag Parikh Flexi Cap: ₹6.20L → ₹6.71L (+₹51K)
* Kotak Emerging Equity: ₹1.60L → ₹1.70L (+₹10K)
* Parag Parikh Tax Saver (ELSS): ₹54K → ₹59.5K (+₹5.5K)
* Mirae Asset FANG+ ETF: ₹59.7K → ₹65.3K (+₹5.6K)
* BajajHFL: ₹15.6K → ₹12.2K (–₹3.4K)
* ITC: ₹38.9K → ₹43.3K (+₹4.4K)
* ITC Hotels: ₹5.8K → ₹2.2K (–₹3.6K)
* RVNL: ₹7.5K → ₹7.8K (+₹366)
**Total Invested:** \~₹22.85L
**Current Value:** \~₹23.79L
**Net Gain:** \~+₹93.8K
She also has:
* ₹9L in FD
* ₹8L in PPF (no monthly contribution)
* ₹1L in NPS (no monthly contribution)
She can invest **₹1.6L/month via SIPs**, and we’re seeking suggestions on fund selection, diversification, or consolidation.
**My Situation (Husband)**
* Currently not investing in MFs or stocks, but want to start.
* I invest:
* ₹25,666/month in NPS (via employer)
* ₹3,600/month in EPF
* ₹64K/month in company ESPP (15% discount + lookback)
Post deductions, I’ll have **₹60–70K/month** available for SIPs.
Also receive:
* **₹59K bonus every 3 months**
* **₹4.5L from ESPP every 6 months**
Would love suggestions on how to structure my SIPs and where to park these lump sums.
**Assets & Liabilities**
* Already own a house in my hometown worth ₹1 Cr+ (no rental income); ₹50L loan still pending.
* Planning to buy a **3BHK in Bangalore soon** (\~₹3 Cr budget).
* Baby on the way – want to plan for:
* Child’s education corpus
* House down payment
* Overall long-term financial stability
We’d also love to plan for **1 domestic + 1 international trip every year**.
I assume **retirement will be mostly covered via NPS, EPF, and wealth compounding**.
**What We Need Help With:**
1. Review of my wife’s MF portfolio — any overlap, underperformers, or funds to remove?
2. SIP suggestions for her ₹1.6L/month — allocation between equity, debt, intl, etc.
3. SIP suggestions for my ₹60–70K/month (starting fresh).
4. Where to park:
* Quarterly bonus (₹59K)
* ESPP returns (\~₹4.5L every 6 months)
5. Child-focused corpus — where/how to build it?
6. Any missing exposure to asset classes (debt, REITs, gold, intl)?
Thanks a lot in advance 🙏
Open to any suggestions, and happy to clarify further!

Bitch ass MF didn’t even come say hi when I tagged him. He’s moved on.

If you can take risk, allocate in high rewarding small cap MF. They are the only money builder rest are only inflation checker.

>Credit risk funds invest in lower grade papers and large dips in NAV can be expected.
u/laid_back_1 : I have been investing in MF for 5+ yrs, recently exploring bonds related zones.

This is detailed distribution of DSP Credit risk fund : [https://www.moneycontrol.com/mutual-funds/dsp-credit-risk-fund-direct-plan/portfolio-debt/MDS616](https://www.moneycontrol.com/mutual-funds/dsp-credit-risk-fund-direct-plan/portfolio-debt/MDS616) .. It looks like they have invested mostly around 'A series' rating bonds on top firms.
I just want your view, do you still think this fund can default ? Is something I need to research/consider more to understand better abt a fund.

As nri you can invest in Indian market using ULIP ONLY - direct stocks is blocked as well as MF you need to do lot of paperwork
So take that also in account

Also do your due diligence before investing in Mutual fund also, dont forget you have foreign passport.
Ask CA or a tax lawyer before investing in MF. You don't want your investment money stuck in India just because people in this sub hate ULIP.
ULIP Is not the best investment instrument but easiest one to invest for NRI, OCI and PIO.

Login to MF Central, it’s developed by both CAMS and Kfintech, the registrars for mutual funds. Do you see your HDFC Funds? Then stop SIP from your HDFC app. Setup new SIP in MF Central.
If you need a little more analytics, check INDMoney. If you get it, make sure your DONT give access to your emails, and read through the prompts when signing up. You don’t need to accept everything and you don’t need to sign up for their brokerage account.

Thank you for the replies. To clarify, I have this much cash on hand as an emergency fund. I own 2 MF properties totaling 8 units plus rent a place of my own. Basically 85K is the amount needed if every unit was vacant for a months and I also had no way to pay my own rent. I have to be honest in that seems pretty far fetched due to the units are always pretty consistently rented as well as I have a very stable day job which pays high hourly rate.
I am new to both dividends and compound investing and do still feel the money would be better allocated in other, accessible accounts then this one. My goal is to retire from my day job and live off rental income and dividends

I bought puts for July 18th and now this MF wants to say they go into “effect” August 1st

I don't think they would be affected. In any case, it would be easy to check, either on the app itself or MF Central.

I think they've been okay. Applovin, for instance, they recommended near the troph at $260 (just after the 70% descent, which had many analysts asking if Applovin was done for), then began its sharp climb to $340-$400 territory where it now sits. MF's case was entirely on the fundamentals of their growth prospects, which so far seems to be holding. They also tend to go against analyst' consensus and focus on long-term financial prospects (frustrating short-term subscribers who see immediate losses and panic). Nike had a 0.5/10 bear consensus when they recommended based on a shift in approach to focus on innovation from their newish CEO, the stock recently jumped 20% to a new consensus and only stalled because of Vietnam tariff news.

Focus on Building active income and studies. Develop your skills and get a good job. In next 3-4 years, once you achieve that, MF Sips are a logical next step

Age-30
Need advice on how to reorganising my mutual fund portfolio. Have been investing in MF from 2019 but to avoid more risk I have 7.2L in PPF and 70k in NPS.
Reluctant to stop SIP as Im targeting more than 25+ years of horizon.

Almost same here, I put 50% in MF, rest everything is covered in remaining 50.. only difference, I'm 28 and unmarried 😅
Happy for you and congratulations

yes in IT. i am 26 and my target has always been 50% of my in hand in MF.
first SIP was in Jan 2019, when i got 2k from a writing gig on fiverr ;)

# 26 - MF?
you identify as male and female /s

Honestly I think you're just karma farming, sometimes I hate the SIP MF spouting guys on these subreddits, as if simply doing 10k SIP will make someone rich. (They never take into consideration inflation, market downturns, lost opportunities due to constantly saving that part of money) Meanwhile everyone hates trading for some reason. Bruh even the mutual funds are often actively traded. Everyone is rambling about value investing, fundamentals, patience, holding and shit. As if anybody really does their research.
Anyhow I'll take your post as something to be true.
I'm 26 now, currently unemployed. Made some money till now doing stuff. 
I can understand and sympathise with the Money-Saving attitude (which borders on misery sometimes).
The fact that I do not have much money now is my fault only, trying to rectify it.
But even after having such a great job OP's uncle (imagine putting in 10000 per month into MFs in 1998 when my parents bought a 1RK in Mumbai suburbs for some 4-5L. (With both of them in govt jobs and the support of family) ), still lived a normal life. He's traveling now isn't he?? That means it's not as if he hates travelling or spending.
It was a self imposed thing.
I see my friends meeting up on weekends, going to museums/art exhibits/plays/treks. 
I don't really care for alcohol or bars, but there is still a lot of stuff you can do when you have money.
A lot of my colleagues have gone for PhDs / conferences in Europe/America. They still travel there, even though their income isn't IT professional level.
There is something freeing in having and using money.
Something freeing in travel or simply one's hobby (hobbies often are expensive).
20s are the peak of One's life. One should grow explore and try stuff out, instead of getting pigeon holed.
Not saying go for international trips and max out credit cards.
But simply saving and waiting for wealth is not possible now.
You need money to make money. I could invest 1L rupees now but a 100% increase will still give me 1L only no?
This sort of fucking SIP propaganda only makes fools out of people.
Earn Money, Save Money but also Spend it guys.
The Main focus should be on Building and Learning.
Once you can leverage your knowledge you can earn faster.
Not saying OPs method is wrong, but we are young, we can do much more.
Remember, Jack of All Trades is Master of None, but oftentimes better than a Master of One.