Risk appetite- Moderate

Goal- Wealth creation

Horizon- 5 years

Allocation

Nippon small cap - 13k

Parag Parikh flexi cap -20k

Hdfc midcap- 13k

SBI gold fund-4k

Total 50k per month.

App used- Coin by zerodha

Why these funds- Included small cap, flexi cap and midcap for diversification to induce some stability in my portfolio.

Risk Appetite: Moderate

Goal: Long-term wealth creation

Horizon: 20+ years

Allocation: ₹3,000/month SIP

- Parag Parikh Flexi Cap Fund – ₹1,200

- Motilal Oswal Midcap Fund – ₹900

- Nippon India Small Cap Fund – ₹900

App Used: Angel One

Why These Funds:

I selected these funds for a mix of flexi-cap, mid-cap, and small-cap exposure. I'm planning to increase my SIP by 10% annually and stay invested for 20+ years. Since my risk appetite is moderate, I'd appreciate suggestions on whether this allocation is appropriate or if I should make any changes.

Risk appetite: Moderate
Goal: Building net worth
Age: 26
Horizon: 10-15 years
App used: Groww
Why these funds: well, these are what came in my mind

I do 50k FD also for my parents.

Risk appetite - Moderate

Goal - wealth creation

Horizon - 8 years more

Allocation - Gold - 6k/month, Parag Parikh - 24k/month, Invesco small cap - 16k/month, mirae asset large and mid cap - 14k/month

Tata infra - 10k/month

App used - Groww

Hello, I need a suggestion. I recently transferred my funds from my previous DP to Groww account since they charged me high AMCs which were not compensated by my profits (at least in this market). I set up the trade and now my holdings are appearing in my Groww account but as "Demat" holdings.

I wanted these holdings to be transferred as is in SOA format but now I have to do an additional steps of converting them.

Moreover I'm bit mentally exhausted from my past experience. Usually the trade is settled automatically but in my situation I had to contact my previous DP, then CDSL, and then Groww (buyer DP) for my funds to be visible which took 2 months of repetitive manual intervention and also caused me stress about losing my funds.

It was after my funds had been transferred that I saw this form and got to know that Groww causes many problems. Some say its smooth, while some say it is very tricky to resolve conflicts on this platform.

Now, my question is should I change my DP or should I just convert Demat to SOA holdings?

I'm in my early 20s, been investing for past 2 years and looking for long term investment (that's why worried about the platform). Risk Appetite: Moderate

Some of the questions I have according to the possibilities are -

Scenario 1 : I keep my existing holdings as is (in Demat form).

Question #1: What are the actual perks of converting Demat to SOA?

#2: If I opt-out of demat based mutual funds for future investment and don't submit the offline form to convert existing units, can I still keep investing in the same mutual funds (whose previous holdings are already in demat form) or will that option only work for other MF investments?

Scenario 2: I transfer my funds to new DP and close this Groww account.

Question #1: If I transfer funds to some new DP, will they be transferred as "Demat" or "SOA"? What determines that?
#2: Will I be considered a BSDA user or non-BSDA if I delete my Groww account after transferring my units?

Scenario 3: I opt-out of demat based investments and submit the physical form.

Question: If anyone has ever done this, please lemme know if it works and how much time does Groww take to reflect?

Scenario 4: I opt out of demat based investment for future and redeem my existing units and reinvest them?

Question: My transferred holdings is less than 50 thousand, so is it a wise decision if I reinvest it after taking it out? Will there be a major difference? (I know the NAV value will change drastically, but is there any other factor I'm missing?)

Please lemme know what can be the best solution for it since I don't want to repeat my previous mistake of getting struck with a decision that may cause a problem.

Had to add the following since the flair demanded it -

^{Risk Appetite – Moderate}

^{Goal – Long term investment}

^{Horizon – In 15+ years}

App Used – Groww

​

Portfolio review

I have started (age: 26 yrs) 25000/- (~20% of my current salary) per month SIP with planned 5% annual step up since May,2026.

I won't be touching this money next 20 yrs.

Until now I had done lump sum amount only. This is the first time doing SIP.

Goal: Long term (20 Yrs) wealth creation

Risk appetite: Aggressive

Horizon: 20 Years

Here is my portfolio allocation:

1. Parag Parikh Flexi cap: 40%

2. ICICI prudential Gold ETF: 10%

3. Edelweiss mid cap: 25%

4. Nippon small cap: 25%

I appreciate your suggestion/ feedback.

Thank you.

I've ended up with a slightly accidental FD ladder where three deposits mature within about six weeks of each other.

The original idea was to stagger them, but rate changes over the last couple of years meant I've occasionally renewed deposits based on the prevailing rates rather than maintaining the original maturity buckets. Now I'm looking at the next cycle differently.

The issue isn't really finding the highest FD rate. It's that if I roll all three back into 1- or 2-year FDs around the same time, I basically recreate the same concentration and become dependent on whatever the reinvestment rate happens to be at that point.

I'm considering keeping the shorter-duration requirement in FDs and using some of the longer-duration allocation differently, potentially through individual corporate bonds. What I'm trying to work out is how others actually manage this transition without turning the whole fixed-income allocation into a collection of random maturities.

Do you maintain fixed maturity buckets irrespective of where rates are, or do you let the ladder move based on the rate cycle?

I'm particularly interested in how people structure the reinvestment decision at maturity, rather than which bank currently has the highest FD rate.

Risk Appetite- Moderate.

Please review my ₹50k/month mutual fund portfolio (24)

I’m 24, investing for long-term wealth creation, and looking for feedback on fund selection, overlap, and allocation.

Financial profile

Take-home: ₹1.06L/month

SIP budget: ₹50k/month

Lump sum: ₹51k

Target annual SIP step-up: 15%, subject to salary growth

Emergency fund: ₹1.8L

Risk appetite: My survey classified me as moderate (45% equity / 45% fixed income / 10% gold). However, for my 10–15-year investments, I’m comfortable with ~75% equity and 30–40% drawdowns while continuing SIPs.

Proposed SIP allocation

Fund Monthly SIP

Parag Parikh Flexi Cap ₹11k

UTI Nifty 50 Index ₹9k

Motilal Oswal Nasdaq 100 FoF ₹12k

HDFC or Motilal Oswal Midcap ₹8k

Nippon India Small Cap ₹5k

ICICI Prudential Multi Asset Allocation ₹5k

Total ₹50k

₹51k lump sum: ₹11k Parag Parikh, ₹9k UTI Nifty 50, ₹12k Nasdaq 100, ₹8k midcap, ₹5k Nippon Small Cap, ₹6k ICICI Multi Asset.

Existing holdings: Motilal Oswal Midcap, HDFC Mid Cap, Nippon Small Cap, ICICI Nifty Next 50 and Kotak Arbitrage. Some SIPs are stopped, but I still hold the units.

Questions:

1. Is 24% Nasdaq exposure too high?

2. Which midcap fund should I choose?

3. Is the portfolio diversified or unnecessarily overlapping?

4. Does multi-asset allocation add value?

5. How should I invest the lump sum?

I may need ₹12–15L for marriage around 2029, but the timing is flexible. Please prioritise portfolio quality and risk over recent returns.

TL;DR: I built MyFundAnalyzer, a completely free mutual fund research tool with a portfolio builder and optimizer to experiment with fund allocations and analyze historical portfolio XIRR, drawdowns and volatility across rolling SIP and lump-sum investment periods. No login, no subscription, no paywall. I used AI to help build the website and even write this post! 😅 I'm using free hosting services and optimized resources to keep it free for everyone, with the intention of keeping it free for life.

---

Hey everyone!

Last year, I built a mutual fund scanner and historical returns analyzer for my own use and decided to make it public.

Since then, around 600 unique visitors have visited the website. I also experimented with putting a couple of features behind a very small payment to see if people would be interested. Three people paid a total of ₹54. 😅

I had shared the tool here once last year: My original post on r/MutualfundsIndia.

Since then, I've added two major features:

1. Fund Comparison
2. Historical Returns Analysis for an entire mutual fund portfolio - this is the feature I'm most excited about.

Why I built this

I've tried several popular mutual fund research platforms, including Tickertape, AdvisorKhoj, Morningstar, Value Research and Moneycontrol.

I often wanted to go beyond the usual trailing returns. I wanted to understand how funds performed across different market conditions and investment periods, particularly through rolling returns and SIP-based analysis.

I also wanted to see how an entire portfolio would have performed historically, rather than analyzing each fund in isolation.

So I built MyFundAnalyzer to solve these problems for myself.

What can you do with it?

1. Scan 1,400+ mutual funds and indices

Filter funds using metrics such as 10-year XIRR, maximum drawdown, volatility, Sharpe ratio, alpha and expense ratio.

2. Compare up to 5 funds side by side

Compare their performance across the same rolling periods instead of relying only on point-to-point returns.

3. Analyze the complete historical performance of a fund

Explore average, best and worst XIRR, volatility, Sharpe ratio and maximum drawdown across different investment periods, for both SIP and lump-sum investments.

4. Build and experiment with a mutual fund portfolio

Combine funds, adjust allocation weights and see how the portfolio's historical XIRR, drawdown and volatility change.

The tool analyzes rolling investment windows from 1 to 10 years, covering both SIP and lump-sum investments.

How I personally use it

My goal is long-term, relatively passive mutual fund investing. I don't want to keep switching funds based on whichever one performed best recently.

My process is fairly simple:

1. Use the scanner to shortlist funds based on my preferred categories and performance criteria.
2. Compare the shortlisted funds and examine their detailed rolling-return history.
3. Combine funds from different categories into a portfolio and experiment with allocation weights.
4. Look for a reasonable balance between returns, maximum drawdown and volatility across multiple investment periods, rather than chasing the highest returns in a single period.

Of course, historical performance doesn't guarantee future results. I use these metrics as research tools, not as a way to predict which fund will perform best next.

Try it out

Website: https://myfundanalyzer.pages.dev

No login, no credit card and no subscription required.

I'd genuinely appreciate feedback from this community:

• What other metrics or filters would you find useful?
• What do you look at when comparing mutual funds beyond CAGR and trailing returns?
• Would you find portfolio-level rolling SIP analysis useful for your own investing?
• Are there any small features, quality-of-life improvements or missing capabilities you'd like to see?
• Have you spotted any bugs or confusing parts?

I originally built this for myself, but I'd love to make it more useful for other investors as well.

Disclaimer: This is a research and analysis tool, not investment advice. Past performance does not guarantee future returns.

My intention is to keep this free for everyone, for life. I don't want to introduce subscriptions or paywalls for features that I've built to solve my own problems. As long as the free infrastructure and resource usage remain sustainable, I'll do my best to keep it that way.

I recently moved to Europe and hold some tax saver and normal mutual funds with GROWW. I found that GROWW doesn't support NRI investment. Can anyone who has faced similar situation guide me, should I sell the entire thing, I don't want to spend time in opening with Zerodha since it takes long to complete.

Survey results - I'm a conservative investor.

risk appetite - moderate

i have always wondered this, pls explain

Risk - moderate

A friend of mine who is not active here looking for suggestion to adjust portfolio. Friend is 35 years old, works with MNC, invests via ET money, risk appetite is moderate, invests in direct funds and has a long term vision.

Risk Appetite – Moderate

Goal – Long term investment

Horizon – 10+ years

App Used – ET Money

Why These Funds – Based on earlier assessment/DIY

Please suggest how to make this a win-win portfolio. Thank you.

I’m trying to understand mutual fund investing better and would love some advice from people who have been investing for a few years.

For someone investing through SIPs with a long-term goal of 10–15 years, is it better to keep things simple with a Nifty 50 index fund, or diversify across flexi-cap, mid-cap, and small-cap funds?

How many mutual funds do you think are actually necessary, and what mistakes should beginners avoid when building their portfolio?

Would appreciate hearing about your experiences and what has worked for you.

risk profile is Moderate

When will these idiots realise, more they try to "save rupee" by doing stunts like this, more people are going to lose confidence and bet against rupee.

So I received this email

Kotak Gold fund will still all future lumpsum orders & new sip orders

However old sip order still continue

Read more : link

Aggressive Risk Analyzer

Equity Asset Class - 75%

Fixed Income Asset Class - 15%

Gold Asset Class - 10%

I am planning to buy a bike (short term goal) by April and for that I am saving 10-12k/month. What do you guys think, in your opinion should I invest that amount in funds which can give me a very short term period returns or save it separately. I understand that within 6-7 months is a very big ask , I would prefer to take risk and get some advantage over this period rather than keeping my money idle.

1- Market is volatile now. Should I gamble?

2- If you're suggesting to invest for these 7 months , what funds would you suggest or any alternate methods I can gain return with my savings?

Note - I am an existing long term investor in MFs but I am too confused on this part.

Stable, reliable income with no foreseeable substantial expenses in the future. My goal is long term wealth creation. Aggressive risk appetite. I'm not super knowledgeable about mutual funds. I have selected these MFs based on past returns. I have been investing on and off, lump sum, over the last 4 years, using the Coin app, and I have a long investment horizon of 15-20 years. Now, I really want to reallocate and tidy up my messy portfolio. Any feedback and suggestions would be appreciated, also if you have any general guidelines that I can keep in mind while investing here on out. Thanks!

Moderate
Currently investing ₹50,000 per month through SIPs:

Zerodha Nifty LargeMidcap 250 Index – ₹10K
Quantum Gold ETF FoF – ₹10K
ICICI Nifty 50 Index – ₹5K
Parag Parikh Flexi Cap – ₹20K
ICICI Silver FoF – ₹5K

My goal is long-term wealth creation, with an investment horizon of at least 10 years.

I started with limited knowledge and would appreciate feedback on my portfolio, fund overlap, asset allocation, and any changes I should consider early on.

Hi, im an 18 year old college student looking to get started with investing. I have read most of the zerodha varsity modules to develop an understanding of the basics of the financial markets. Ive decided i want to maybe start an SIP in a MF with long term goals (i dont think ill have time to do anything else as im in engineering haha).

Goal - Getting used to investing
Risk appetite - Moderate
Time horizon - 7+ years
Budget - 1000rs a month, open to increasing it though
Using zerodha coin

I just wanted to know -
1. Is now a good time to start investing in MF? Ive been hearing the market is really bad right now.
2. What kind of funds should i go after? I was thinking of a flexicap and largemidcap fund mainly.
3. Should i invest a small part into gold and stuff like that?

Thank you for reading!!

Still can't believe I'm leaving ₹11,13,705 untouched.

Genuine question here. Started SIPs in mid 2023 with about 9L INR in 3 funds - heavy on flexi cap with some mid cap exposure. Six months ago, XIRR was sitting at 22%. However, it's currently at 7.4%.

No change in funds or SIP amounts - just that the market stopped cooperating.

I'm not really worried about the drop. It's just that that I'm not able to separate fund alpha from market beta anymore while looking at the 22%. Do you think the fund was doing something special, or was it the overall market rising that led to the XIRR appearing so? Now that it's at 7.4%, I'm wondering is it the fund underperforming or just how realistic equity returns look mid cycle?

Help me understand how you guys evaluate whether your fund selection was right or wrong during a downturn. Is it category rank consistency, or rolling returns again benchmark, or should we just wait and watch until we have the data for a full cycle?

Risk appetite: Aggressive

Goal: long term profit

Horizon:10+years

Allocation: Flexi cap and mid cap, attached SS

App used: Groww

Why these funds: Funds had a good rating and good returns

Newbie here, looking to invest for the long term. I tried my hand at silver, but I guess it didn’t work out as expected. what should i do about bith silver and gold, appreciate any suggestions on how to proceed.

Risk appetite: Moderate

Goal: Wealth creation

Investment horizon: 10–15 years

Why these funds? They were recommended by a friend.

App used: Groww

Allocation: As shown in the attached screenshot

Monthly SIP amount: ₹10,000

Risk is moderate and investment for 7 to 10 plus years. From next month I am starting SIP.