How to diversify your investment portfolio effectively | Multi cap VS Flexi-cap funds
ฝัง
- เผยแพร่เมื่อ 28 ก.ย. 2024
- What is the best approach to effectively diversify your mutual fund investments - multicaps, flexicaps, or large and midcap funds? Watch this episode of Investors' Hangout to dive deep into each of these categories, helping you tailor an investment strategy that fits your financial goals.
Whether you're a seasoned investor or just starting, this discussion will guide you through tailoring a diversified investment approach to maximise your returns while managing risk.
Be it queries related to mutual funds, stocks, or tax-saving investments, Value Research www.valueresea... will answer all of them. Feel free to post your query on vro.in/askvr.
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Here are the key takeaways:
- Begin investing in a flexi-cap fund for diversification while being conservative.
- For investors with risk tolerance, one multi-cap fund suffices for investments up to ₹25,000. Invest in additional multi-cap funds at ₹5 lakh and ₹25 lakh thresholds.
- Flexi-cap managers invest freely, while multi-cap managers must allocate 25% to each cap size, boosting long-term returns with mid and small-cap allocation.
- To optimise returns, most investors should graduate from investing in a flexi cap to a multi cap.
- If you are familiar with the equity market's volatility, consider investing directly in large, mid, and small caps.
- Invest in up to 5 funds for diversification without the costs of managing an index-like portfolio
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Chapters:
00:04 Introduction
00:26 What did Markovitz mean when he said diversification is the only free lunch in investing?
02:17 What is diversification in the context of mutual funds?
05:16 How do multi cap, flexi cap, and large and mid-cap funds compare in terms of their investment mandates, risks and benefits?
09:02 Which of these categories will be suitable for what kind of investor profile?
10:18 How many funds can get you optimum diversification?
12:14 Why should you have geographical diversification?
12:52 Viewer's question: I invest in mutual funds recommended by Value Research only for my retirement.
In that context, what benefits does investing in active equity funds recommended by Value Research has over investing just in NPS Tier-II, which seems to have better taxation and fund management charges?
14:23 Key Takeaways
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Invest 33% in nifty 50, 33% in nifty next 50 and 33% in midcap 150 index. Rebalance annually. No need of any other flexicap or multicap fund.
And get avg returns
I invested in 2021 and my xirr returns are 22%
@@manorakheeinteresting, I went with active way and my xirr is close to 26.3%, there was euphoria from 2011 to 2015, lull from 2016 to 2019, then boom, and the only index bit I did was from 2021 to 2023.
If you are able to do strategic allocation, then we wil end up beating the index 😊
Multicap might look attractive but reality is different. They actually will only perform when entire market caps are rising. For the risk it is better to split the amount into a flexi + small cap or largemidcap+ small cap.
Flexi cap
Multi cap
Aggressive hybrid
Value fund
Small cap fund
This strategy is working well for me.
Multicap is better than flexi cap, flexi cap invests more in the large cap stocks while multicap provides better diversification and it is more active.
@@mb-hb1fryou can always put money into small and Midcaps that will generate more wealth and flexi to preserve wealth. Multicap is very volatile to be the only fund
True.
Thanks so much to both of you for coming back! We missed you (when other people were representing VR)! 😊
Excellent detailing on different market cap diversification.
Follower since 2007🙏
Appreciated
Follower for last 10 years. Wanted to know, why is value research not providing any ratings for multicap funds. Pleased help understand
Very good advise on multicap vs flexicap funds.
Glad you think so!!
Thanks for sharing knowledge and expertise.
Our pleasure
Thank you dhirendersir.for the valuable views.
You're most welcome
Please confirm when market is All time high can we invest in Balance advantage fund or we should wait for correction. I want to draw SWP income of yearly 7.25 percent please suggest. Also some fund for SWP
People, can you share your thoughts about momentum investing or simply, momentum index funds ? Is it beneficial to invest in them for long time period that is over 10 years ?
Sir very confusing, VR premium portfolio planner suggests to take flexicap, but in the video you Multicap is better than flexicap..
I am confused and loosing trust
Thanks for the valuable information
Glad it was helpful!
Excellent but flexi cap you are suggesting has high volatile
ppfas conservative fund or flexicap fund
Which is best flexi cap
Every video of Dhirendra Sir gives me investing knowledge.
good as always.. folloing him since his tv days ...
Thank you. Keep watching!!
Very good analysis and much useful to the common investor.
Thank you 🙏
Unfortunately many multicaps are now having even less then 12-13% allocation, so they may not be following SEBI guidelines and mandate !!
Exactly, see VR portfolio of Nippon Multicap, ICICI Multicap etc. Small cap allocation is less than 25%
@@raviprovalue research classification is different to that of sebi. Funds that are classified as small caps by sebi are actually small and mid cap allocated in value research. For eg.. SBI small cap fund which invests 80 percent in small caps as claimed by amc but in value research it is classified as 55 percent mid caps and 45 percent small caps. That is because value research considers funds that comes under 70-90 percent market universe come under mid caps.