Piyush asks, “Dear Pattu Sir, You have mentioned several times the importance of portfolio rebalancing. Due to the marker recovery, my equity mutual fund portfolio allocation is now 75%. I want to reduce this to 70%. Can I do this by stopping my SIPS for a few months and invest it in fixed income? This…

A viewer on our Youtube Channel asks, ” I have been investing in index funds for the last 3 years in sip mode. Can I book partial profits now?” The answer to this question does not depend on whether you invested in index funds, active funds, or direct equity. It depends on your asset allocation…

In this article, let us address a question received on our Youtube Channel and a question on many investors’ minds: “I’m planning to start my equity investment now (at the age of 26). Now the market seems to be at an all-time high, and most experts are commenting that there will definitely be a crash….

We have often pointed out that the fate of our mutual fund SIPs is decided by “timing luck” and not because of patience or discipline or rupee cost averaging.  We have also presented the solution to this problem: Do not expect returns from mutual fund SIPs! Do this instead! However, this stance confuses new readers of…

This is a question received on our YouTube channel:  “Hi, I am aged 30. New to your videos and blog. I have been hooked to it for the past two days. Can you make a video on “How to invest your 60% equity allocation”? Where, assume I have one crore with me, and I have…

There are a total of 23 actively managed midcap mutual funds available for investment today. Out of these, 20 are older than five years. This article evaluates how these midcap mutual funds have fared against the Nifty Midcap 150 Total Returns Index. We identify four midcap mutual funds that have outperformed the index consistently. We…

I started an Rs. 500 SIP in Sundaram Midcap Fund (then known as Sundaram Select Midcap) for an extended family member higher education in Aug 2009. Here are some lessons on investment risk and reward from the investment. Kindly note that I do not count this investment as part of my net worth and have…

The Sensex closed past 55,000 on Aug 13th for the first time, and usual trumpets from mutual fund guys blared, “stay invested! The stock market always moves up in the long term”. In this article, we present rolling SIP returns data for the Sensex (1979 to 2021)  and the S&P 500  (1900 to 2021) to…

In this article, we consider the tracking errors of Motilal Oswal S&P 500 Index Fund (MO-SP500), Motilal Oswal Nasdaq 100 ETF (MO-N100ETF) and Motilal Oswal Nasdaq 100 Fund of Fund (MO-N100FOF). In a previous article, we saw that most international equity funds fail to beat the S&P 500 TR (INR). So the issue of tracking…

In this article, we compare the performance of international equity mutual funds (based in India and available for the retail Indian investor) with the S&P 500 Total Return in INR over the last one, two and three years as of July 23rd 2021. If we exclude the international index funds tracking the Nasdaq 100 and…

I get this kind of question a lot: There is a 30-40% overlap in the portfolios of my mutual funds. Is this okay, or should I change my funds? How much of a portfolio overlap is OK, and how much is not? A discussion. The reasoning presented here is similar to the one discussed before: Can…

Neils Bohr, one of the founding fathers of quantum physics, said, ”If quantum mechanics hasn’t profoundly shocked you, you haven’t understood it yet.” The same is true of retirement planning. When you sit down to do a retirement calculation for the first time, it should shock you. If it does not, you are probably making…

This is a list of mutual funds that gained the most in AUM after the March 2020 market crash.  To ensure we account for the fund inflow and not the fund returns, we compare the NAV and AUM on March 31st 2020 and May 31st 2021 and subtract the percentage change in NAV from the…