MF
Missfresh Limited
stock NASDAQ

Please roast my portfolio, I have started my sips at the peak of 2024. Below are my funds.
Icici pru nifty next 50 - 5k
Uti nifty 50 -10k
Bandhan small cap - 10k
Invesco india infra - 5k
All of the above are direct growth funds. To increase my knowledge in equity i have started doing stocks with very minimal amount it did very decent given last couple of years of market condition you can find the stocks in the screenshot. All I picked is small cap + few large cap.
Small caps selection based on purely fundamentals like combination of PE + ROE + ROCE + CASH FLOWS + few concall.
large caps selection purely went with the market float + established names.
Risk profile: agressive
Duration: 15 year
Goal: retirement + long term wealth creation.
I did park some money in gold + FD style financial products I don't want change this portion as I have some immediate needs in next 2-3 years.
Please suggest if you think I can optimize my equity + MF portfolio. I do have conviction on some of the stocks but I think I need to take that risk/chance with the higher amounts.

I think you should invest in mutual funds, you can make it 50 50 in MF and stocks

Absolutely, Hero!😄
You can check mutual fund overlap using websites like **MF Central, Value Research, or Morningstar**. Just select the mutual funds you own and the overlap tool will show you how many stocks they have in common and the percentage overlap.
For example, if two small-cap funds have a 40–50% overlap, you may be getting very similar exposure by investing in both. In that case, you could consider keeping the fund with the better long-term performance, consistency and portfolio quality.
Personally, I prefer avoiding too much overlap because diversification should be across different stocks—not just different fund names. 😄
As for my status, I'm doing great bro! Still surviving the market and trying not to panic when my portfolio turns red 😂📉

HEy techbee huge congrats on your first salary! Saving ₹8k–9k/month from ₹22k in-hand is an excellent start, and your instinct to learn first before investing is exactly right.
Here is what I went through when I started learning about investing. I am still Learning, but this shoudl get you started.
**What to learn first (in order)**
Personal finance basics: EMergency fund (3–6 months expenses), health/term insurance, and clearing high‑interest debt before investing.
Money & behaviour: How psychology drives investing mistakes (FOMO, panic selling, overconfidence).
Time value of money & compounding: Why starting early matters more than starting big.
Asset classes & risk: Equity vs debt vs gold; volatility vs risk of permanent loss.
Instruments in India: PPF, EPF, NPS, bank FDs, mutual funds (index/active), ETFs, direct equity and where each fits.
Process & discipline: Goal setting, SIPs, rebalancing, and ignoring noise.
**Common beginner mistakes (and how to avoid)**
Waiting too long / not starting: “PErfect timing” is a myth; time in the market beats timing the market.
No plan & emotional decisions: Buying on hype, selling on fear. Fix: write a simple investment plan (goals, horizon, risk).
Lack of diversification: Putting everything in 1–2 stocks or themes. Fix: use broad index funds/ETFs for core exposure.
Ignoring costs & taxes: High expense ratios(MF), frequent and multiple trades (Counts both buy and sell), and tax inefficiency silently erode returns.
Chasing quick riches: Hot tips, F&O without knowledge, practice on paper or understanding are quickest way to empty your bank accounts. Fix: treat investing as “get rich slowly but steadily.”
**TRusted books, YouTube channels, podcasts, websites**
Books to start with (2026 recommendations)
The Psychology of Money (Morgan Housel) mindset first.
Let’s Talk Money (Monika Halan) India‑specific framework.
Money Doesn’t Grow on Trees first book on money for Indian beginners.
The Intelligent Investor (Benjamin Graham), Coffee Can Investing (Saurabh Mukherjea).
**YouTube channels (for learning not for tips, cause tips can only take you so far)**
CA Rachana Ranade clear basics on mutual funds, stocks, taxation.
Pranjal Kamra (Finology) fundamentals, valuation, long‑term investing.
Neeraj Joshi has some great lessons and information for those who want to step into trading market and best for technicals later, once basics are solid.
Search on youtube with “Top 15 Finance YouTube Channels in India 2026” helps you pick whom to learn from by ranking and also helps to avoid fake gurus.

Stop with stocks, you're gonna gain with MF. You can get fselx and still be ahead if you want semiconductors

I'm saying that NAVs don't fall so low just because 1-2 major holdings fall. Incase they fall people will keep buying them because they are fundamentally good stocks. Also people don't care as long as they are blindly doing their monthly SIPs man. There is nothing to be prepared for the NAV today. It is not a life altering event. People investing in MF don't even see their NAV daily. Your post doesn't add any value brother.

Talk about being an embarrassment on a world stage. MF didn't want to leave the stage for Spanish team to celebrate their victory.

19M, started investing recently. ₹24k invested so far. Looking for feedback on my MF portfolio

Invest in SIP and MF it's slow by safer than Socks.

Yes, I paid a MF fee. It was the price, to own FGRIX, Magellan.

Use MF Central for mutual funds it stores units as SOA

Just pick 1 MF for now.
HDFC Flexi Cap Fund
Forget about the noise of stocks. Do it for few years.
You'll beat 99% of the traders, actively trading in the stock Market.
So be the long term investor, as you mentioned.
Note: Not a SEBI RA. You already know that!

Set up SIPs through AMC platforms and monitor on MF Central

Please roast my portfolio, I have started my sips at the peak of 2024. Below are my funds.
Icici pru nifty next 50 - 5k
Uti nifty 50 -10k
Bandhan small cap - 10k
Invesco india infra - 5k
All of the above are direct growth funds. To increase my knowledge in equity i have started doing stocks with very minimal amount it did very decent given last couple of years of market condition you can find the stocks in the screenshot. All I picked is small cap + few large cap.
Small caps selection based on purely fundamentals like combination of PE + ROE + ROCE + CASH FLOWS + few concall.
large caps selection purely went with the market float + established names.
Risk profile: agressive
Duration: 15 year
Goal: retirement + long term wealth creation.
I did park some money in gold + FD style financial products I don't want change this portion as I have some immediate needs in next 2-3 years.
Please suggest if you think I can optimize my equity + MF portfolio. I do have conviction on some of the stocks but I think I need to take that risk/chance with the higher amounts.

I think you should invest in mutual funds, you can make it 50 50 in MF and stocks

Absolutely, Hero!😄
You can check mutual fund overlap using websites like **MF Central, Value Research, or Morningstar**. Just select the mutual funds you own and the overlap tool will show you how many stocks they have in common and the percentage overlap.
For example, if two small-cap funds have a 40–50% overlap, you may be getting very similar exposure by investing in both. In that case, you could consider keeping the fund with the better long-term performance, consistency and portfolio quality.
Personally, I prefer avoiding too much overlap because diversification should be across different stocks—not just different fund names. 😄
As for my status, I'm doing great bro! Still surviving the market and trying not to panic when my portfolio turns red 😂📉

HEy techbee huge congrats on your first salary! Saving ₹8k–9k/month from ₹22k in-hand is an excellent start, and your instinct to learn first before investing is exactly right.
Here is what I went through when I started learning about investing. I am still Learning, but this shoudl get you started.
**What to learn first (in order)**
Personal finance basics: EMergency fund (3–6 months expenses), health/term insurance, and clearing high‑interest debt before investing.
Money & behaviour: How psychology drives investing mistakes (FOMO, panic selling, overconfidence).
Time value of money & compounding: Why starting early matters more than starting big.
Asset classes & risk: Equity vs debt vs gold; volatility vs risk of permanent loss.
Instruments in India: PPF, EPF, NPS, bank FDs, mutual funds (index/active), ETFs, direct equity and where each fits.
Process & discipline: Goal setting, SIPs, rebalancing, and ignoring noise.
**Common beginner mistakes (and how to avoid)**
Waiting too long / not starting: “PErfect timing” is a myth; time in the market beats timing the market.
No plan & emotional decisions: Buying on hype, selling on fear. Fix: write a simple investment plan (goals, horizon, risk).
Lack of diversification: Putting everything in 1–2 stocks or themes. Fix: use broad index funds/ETFs for core exposure.
Ignoring costs & taxes: High expense ratios(MF), frequent and multiple trades (Counts both buy and sell), and tax inefficiency silently erode returns.
Chasing quick riches: Hot tips, F&O without knowledge, practice on paper or understanding are quickest way to empty your bank accounts. Fix: treat investing as “get rich slowly but steadily.”
**TRusted books, YouTube channels, podcasts, websites**
Books to start with (2026 recommendations)
The Psychology of Money (Morgan Housel) mindset first.
Let’s Talk Money (Monika Halan) India‑specific framework.
Money Doesn’t Grow on Trees first book on money for Indian beginners.
The Intelligent Investor (Benjamin Graham), Coffee Can Investing (Saurabh Mukherjea).
**YouTube channels (for learning not for tips, cause tips can only take you so far)**
CA Rachana Ranade clear basics on mutual funds, stocks, taxation.
Pranjal Kamra (Finology) fundamentals, valuation, long‑term investing.
Neeraj Joshi has some great lessons and information for those who want to step into trading market and best for technicals later, once basics are solid.
Search on youtube with “Top 15 Finance YouTube Channels in India 2026” helps you pick whom to learn from by ranking and also helps to avoid fake gurus.

Stop with stocks, you're gonna gain with MF. You can get fselx and still be ahead if you want semiconductors

I'm saying that NAVs don't fall so low just because 1-2 major holdings fall. Incase they fall people will keep buying them because they are fundamentally good stocks. Also people don't care as long as they are blindly doing their monthly SIPs man. There is nothing to be prepared for the NAV today. It is not a life altering event. People investing in MF don't even see their NAV daily. Your post doesn't add any value brother.

Talk about being an embarrassment on a world stage. MF didn't want to leave the stage for Spanish team to celebrate their victory.