MF
Missfresh Limited
stock NASDAQ

Just have one small cap, one flexi/large and one debt/gold
You have too many MF of same type

Yes.. recently started via. Imdmoney... A few years back I used to invest via multiple MF.. however due to SEBI restrictions on MF they stopped fresh foreign investment.... So I decided to go via direct route ..

Compare the ULIPs with Mutual Funds
1. The Returns: Net vs. Gross
​Mutual Funds: Generally show higher "Gross Returns" because 100% of your money is invested without mortality or admin charges. However, every time you rebalance (e.g., moving from Equity to Debt during a market peak), you pay tax on the gains, which eats into your compounding.
​ULIPs: Modern "4G" ULIPs (like Tata AIA Fortune Pro) have zero allocation charges. While mortality charges apply, many plans now refund these at maturity. Top Tata AIA funds (like the Multi-Cap or Opportunities Fund) have historically delivered 15–20% annual returns, making them highly competitive with top-tier MFs.
​2. Taxation: The "2.5 Lakh" Rule
​In 2026, the tax parity is clear:
​Below ₹2.5L Premium: ULIPs are the clear winner. All maturity proceeds are 100% tax-free under Section 10(10D). In contrast, Mutual Fund gains are always taxed if they exceed the ₹1.25 lakh limit.
Above ₹2.5L Premium: High-value ULIPs are now taxed similarly to MFs (12.5% LTCG). However, ULIPs still hold the "Switching Advantage"—you can move your money from Mid-cap to Liquid funds tax-free as many times as you want.
​3. The "Hidden" Cost of MF Switching
​If a resident manages their own MF portfolio and switches funds 5 times over 15 years to protect their gains, they could lose a significant portion of their corpus to taxes. A ULIP investor doing the same pays ₹0 in tax until the very end (or nothing at all if the premium is under ₹2.5L).
I would be happy to help you whether it is an ULIP or a MF.

I know that most short term gold investors put money in Goldbees or tatagold. As a long term investor (15 year horizon), I was looking at SGBs/gold mutual funds/low expense ratio gold ETFs (zerodha goldcase).
Now tai made the decision for me to not put money into SGBs yesterday.
And I haven't put any money into the recent gold run despite having started earning money a year ago (never believed it could go that high). Hence, wanted to do a long term investment instead.
Basic google searches and stuff recommend gold etfs over gold MF(gold mutual fund having double expense ratios due to their own purchase of gold etfs). But I wanted to confirm the risks of going for a less traded fund (I saw mostly red candlesticks on zerodha goldcase even during the gold rise) and any recommendations you might have to enter for a long term gold investment.

Yes ... investing directly in QQQ or QQQM is best instead of Indian ETF or MF ...

Yes bro cleaning up now and moving to ETF and MF, currently move to Nifty Bees, HDFC 250 Small cap and Parag Parikh

Moved to this strategy in June 2025, went good initially, but has been performing flat/negative since the past 3/4 months. I agree the market also has been weird in the same duration, but my total returns literally reduced to less than half from it's high around Sept/Oct. Also tried some lumpsums into small cap and value fund when they came low.
Also fed up from Motilal L%M, even though investing since such a long time, it literally moves into -10% total returns during bad times. Kept it as the core for the portfolio, is volatile as hell.
Planning to raise
ICICI NASDAQ - 2k->5k
Quant - 3k -> 5k
ICICI Value - 3k->4k
Please suggest if these changes are good, or if I should look into other MFs
|**XIRR**|**Total Returns**|**MF Company**|**MF Name**|**Investment Reason**|**SIP Amount**|**Investing Since**|
|:-|:-|:-|:-|:-|:-|:-|
|33.98%|8.76%|ICICI Prudential|NASDAQ 100 Index Fund Direct Growth|International Exposure. I have Parag Parikh as well, but it's international exposure is \~10-15% only.|₹2,000.00|July 2025|
|1.99%|0.44%|ICICI Prudential|Value Discovery Fund Direct-Growth|Contrarian Fund|₹3,000.00|July 2025|
|\-2.38%|\-1.63%|Motilal Oswal|Large and Midcap Fund Direct Growth|Large and Mid Cap component|₹5,000.00|May 2024|
|\-30.18%|\-6.11%|Nippon|Small Cap Fund|Small Cap component|₹4,000.00|Jul 2025|
|5.70%|4.33%|Parag Parikh|Flexi Cap Fund Direct Growth|Trying to keep a stable core/part in the portfolio|₹6,000.00|Apr 2024|
|32.63%|12.68%|Quant|Multi Asset Fund Direct Growth|A quant hedge|₹3,000.00|Jan 2025|
||||||23,000 monthly||

Thanks for this... its an amazing read, I was re-balancing my MF portfolio, looking on which funds to keep and which to remove and found this comment.
Thankyou :)

Reach out to Kuvera support; no other option apart from that, OR, just use MF central.

Double hit to MF portfolios due to budget

Why should govt be bothered with FnO ? On one hand govt puts money of EPFO in stock market , on the other hand it discourages FnO and whatever. 
Secondly, the MF ads were run by AMFI, and govt has an Active role in pushing MFs and SIPs . Heck, banks were running helter skelter to mobilise SIP in place of their FD and RD and you want me to believe the govt is naieve. Come on now.

Many of you who have invested in SGB are not liking how the GoI took away the tax exemption on SGBs bought in the secondary market.
But let me tell you that this is not the first instance Ministry of Finance has decided to step in & remove the tax arbitrage, and with a lag of course.
In 2019, the first listed debt ETF was launched in India - Edelweiss Bharat Bond ETF. It was a new security at that time which was:
1. listed, and
2. non-equity (there's no such thing as debt in IT Rules - only equity, or non-equity).
It created a conflict of sorts:
1. It being non-equity, many argued it will be taxed as a debt MF - long term after holding period of 3 years and short term for a period of up to three years. Accordingly STCG @ slab rate, LTCG @ 20% with indexation.
2. But the ETF was also a listed security. And for listed securities, holding period to classify as LT was 12 months, and were subject to tax rate of 10% without indexation, or 20% with indexation, whichever was beneficial.
So many investors and tax advisors took the benefit of this confusion, moved some allocation to debt ETFs from debt MFs, availing LTCG tax benefits over shorter holding periods. It was a grey zone that allowed significant tax savings over the short term compared to debt MFs.
The government only plugged this loophole in 2023, when they removed the concept of long term from 'Specified Mutual Funds' which invested less than 35% in equity. Those who bought in 2022 in the hope that rules won't change were distraught.
It is the same story with SGBs - there was no clarity from Ministry of Finance about the tax treatment of SGBs bought in secondary markets. So investors, advisors, online forums all went ahead with the generous interpretation 'tax-free till maturity, no matter where you buy it.' This was one of the reasons many investors paid a significant premium - sometimes 10-15% over gold ETF prices.
The MoF stepped in again and did what it does with some delay - closed the loophole. And the angst of those who bought SGBs at premium is understandable.
The message is clear - "No tax arbitrage can last forever."
It is just one more risk to add to your investment risks checklist, next time such opportunity comes along and if you decide to pay a premium for that.

Advice on MF Portfolio allocation

Bro if you have learnt for 7 yrs then why are you in loss of 9 lakhs. And can you please say which equity MF uses FnO. Most of the MF buys only equity

I’m 29 and currently have ₹70k in hand, and I’ll be getting another ₹1.5 lakh by month end. I already invest ₹15k/month in SIPs (Flexi Cap + Mid Cap). My MF portfolio is currently around -1.05%, which I’m not too worried about since it’s short term.
Now I’m confused about where to park this extra money:
• Buy some gold for safety?
• Start investing in US stocks for diversification?
• Put about 10% into Bitcoin for higher risk/reward?
Also, I’m investing ₹13k/month in a chit fund that matures this September, and I should receive roughly ₹5 lakhs from it.
Given my age and long-term horizon, what would you do in my situation? Go heavier into equities, diversify globally, add gold, or keep some cash?
Would love to hear how you guys would approach this. Thanks!

Saw a bunch of metaverse posts today trying to sell a seiko watch that was gold tone trying to make it seem like the MF was a gold Rolex

Many, many years ago MF paid out capital gains fairly often. So it created taxable events often. But, most MF people buy now haven’t paid a CG distribution since 2019 so it’s not much of an issue any more.

I do MF in tax-advantaged, ETF in taxable. MFs are nice because you can invest down to the cent

Difference between 2 Gold and Silver MF by Motilal

I'm 32 and I'm a newbie to this investing stuff, so please forgive any ignorance I may show in this post.
I will be moving my Roth IRA from my advisor managed account to a Roth IRA with Fidelity to manage myself. I plan to liquidate everything the advisor had me in and buy Vanguard funds in a 3 Fund Portfolio setup. This would be US stock, Foreign Stock, and US Bond(still undecided on this atm). The part I haven't decided yet is if I should buy index ETFs or index mutual funds. My plan is for this to be as simple as possible. I want to make my max contribution to the Roth each year, then "set it and forget it." I will not be actively trading anything.
I've done some research into ETF vs MF. The primary takeaways I've found are:
ETFs can be traded anytime while MF are only traded at end of day. If I don't plan on actively trading then that shouldn't affect me, correct?
MF cannot be transferred between brokerages. I don't plan on changing brokerages anytime soon if ever, after this transfer. So this shouldn't matter to me.
MFs can have minimums purchase requirements and service fees.
As I understand it. ETFs are more tax efficient and therefore don't benefit as much from being in a Roth compared to a taxable account. MF are less(?) tax efficient so they benefit more from being a in a Roth. I am unsure if the difference is enough to justify the possible service fees.
I think the last two points above are probably the most important ones to consider in my decision. Are there any other things about ETFs and MF that I should be aware of and look more into? One thing I was wondering was if it made sense to have the same ETFs in a Roth that I already have in a taxable account. I've heard that was perfectly fine, but I'd like some more opinions.
Again, I'm new and just want to avoid costly mistakes. I am open to hearing all perspectives and opinions.