UTI
Universal Technical Institute, Inc.
stock NYSE

Hi everyone,
Looking for advice from experienced investors here because I’m getting conflicting opinions.
**My investment horizon:** 5+ years (possibly much longer)
**Current portfolio (\~₹8.35L):**
UTI Nifty 50 Index Fund – \~₹3.12L
PGIM India Midcap Fund – \~₹1.70L
Nippon India Small Cap Fund – \~₹1.31L
Parag Parikh Flexi Cap Fund – \~₹98k
UTI Nifty Next 50 – \~₹60k
ICICI Prudential NASDAQ 100 – \~₹34k
(One small holding apart from these)
Current value: **₹8.35L**
Invested: **₹8.01L**
**My SIP strategy:**
₹5,000/month – Nippon Small Cap
₹5,000/month – PGIM Mid Cap
₹5,000/month – ICICI NASDAQ 100
I don’t SIP into UTI Nifty 50. Instead, whenever the market falls by around **1% or more**, I invest a lump sum into the Nifty 50 Index Fund ( like 10k something)
Now here’s where I’m confused.
A friend of mine has become associated with **AssetPlus** and is insisting that:
My portfolio is “bad.”
My returns are poor.
Index investing is outdated.
I should switch to **momentum mutual funds**.
He can “manage” my portfolio through AssetPlus and get me much better returns.
So I’d really appreciate opinions from experienced investors:
\- Is there anything fundamentally wrong with my current portfolio?
Is my allocation reasonable for a 5+ year horizon?

Hi, I'm in my mid 20s and I'm from India but I have been studying in the US for a few years on F1 visa, I will likely remain abroad even if not in US for the next maybe 5 years.
A few months back I managed to create a demat account with ICICI during a short visit to India and I started using their Direct app to start investing in MFs 3 months back, first time investor. I am not trying to invest in the US as I'm worried about possible visa and tax complications, not sure how it will be like in other countries later. My income is taxed here so as far as I understand I shouldn't be taxed in India.
However I couldn't make any other accounts like Zerodha while I was there so I'm stuck with ICICI Direct and regular growth MFs, I realized only recently that these aren't direct plans. I'm not sure when I'll be back in India in the long term (I saw Zerodha requires some paperwork, I also don't know about tax complications, don't want to mess anything up while I'm away from India) but I don't want to delay investing, so I'm thinking of continuing with regular plans anyway. I also have emergency funds invested in FDs.
Question: Is there anything else I can do or should I just continue this way despite the loss of regular Vs direct at least until I can make another account without issues? Are there other options I could use in my situation for investing?
As for my MFs I've currently invested in these 4 through SIP for the past 3 months, I'm at about Rs 3L total (3.3% absolute returns):
1. Parag parikh flexicap growth 40%
2. Bandhan small cap growth 20%
3. Kotak midcap growth 20%
4. UTI nifty index fund growth 20%
5. A couple paused smaller initial investments in ICICI Pru blue chip large cap and Nippon India large cap
Here my question is how does my portfolio look? I'm interested in long term investing 15-20 years, at moderate to slightly aggressive risk, and my goal is long term wealth creation. Any advice is appreciated. I'm a very new investor, still learning

I'd focus most of my SIP amount on equity funds like your UTI Nifty 50 Index Fund. Gold is generally better used as a small diversifier rather than a core wealth-building investment.

Hi everyone,
Looking for advice from experienced investors here because I’m getting conflicting opinions.
**My investment horizon:** 5+ years (possibly much longer)
**Current portfolio (\~₹8.35L):**
UTI Nifty 50 Index Fund – \~₹3.12L
PGIM India Midcap Fund – \~₹1.70L
Nippon India Small Cap Fund – \~₹1.31L
Parag Parikh Flexi Cap Fund – \~₹98k
UTI Nifty Next 50 – \~₹60k
ICICI Prudential NASDAQ 100 – \~₹34k
(One small holding apart from these)
Current value: **₹8.35L**
Invested: **₹8.01L**
**My SIP strategy:**
₹5,000/month – Nippon Small Cap
₹5,000/month – PGIM Mid Cap
₹5,000/month – ICICI NASDAQ 100
I don’t SIP into UTI Nifty 50. Instead, whenever the market falls by around **1% or more**, I invest a lump sum into the Nifty 50 Index Fund ( like 10k something)
Now here’s where I’m confused.
A friend of mine has become associated with **AssetPlus** and is insisting that:
My portfolio is “bad.”
My returns are poor.
Index investing is outdated.
I should switch to **momentum mutual funds**.
He can “manage” my portfolio through AssetPlus and get me much better returns.
So I’d really appreciate opinions from experienced investors:
\- Is there anything fundamentally wrong with my current portfolio?
Is my allocation reasonable for a 5+ year horizon?

Hi, I'm in my mid 20s and I'm from India but I have been studying in the US for a few years on F1 visa, I will likely remain abroad even if not in US for the next maybe 5 years.
A few months back I managed to create a demat account with ICICI during a short visit to India and I started using their Direct app to start investing in MFs 3 months back, first time investor. I am not trying to invest in the US as I'm worried about possible visa and tax complications, not sure how it will be like in other countries later. My income is taxed here so as far as I understand I shouldn't be taxed in India.
However I couldn't make any other accounts like Zerodha while I was there so I'm stuck with ICICI Direct and regular growth MFs, I realized only recently that these aren't direct plans. I'm not sure when I'll be back in India in the long term (I saw Zerodha requires some paperwork, I also don't know about tax complications, don't want to mess anything up while I'm away from India) but I don't want to delay investing, so I'm thinking of continuing with regular plans anyway. I also have emergency funds invested in FDs.
Question: Is there anything else I can do or should I just continue this way despite the loss of regular Vs direct at least until I can make another account without issues? Are there other options I could use in my situation for investing?
As for my MFs I've currently invested in these 4 through SIP for the past 3 months, I'm at about Rs 3L total (3.3% absolute returns):
1. Parag parikh flexicap growth 40%
2. Bandhan small cap growth 20%
3. Kotak midcap growth 20%
4. UTI nifty index fund growth 20%
5. A couple paused smaller initial investments in ICICI Pru blue chip large cap and Nippon India large cap
Here my question is how does my portfolio look? I'm interested in long term investing 15-20 years, at moderate to slightly aggressive risk, and my goal is long term wealth creation. Any advice is appreciated. I'm a very new investor, still learning

I'd focus most of my SIP amount on equity funds like your UTI Nifty 50 Index Fund. Gold is generally better used as a small diversifier rather than a core wealth-building investment.

Don't worry, that's completely normal. My UTI Nifty 50 Index Fund is currently around 13% down, and I'm still continuing my SIP. Short-term ups and downs are expected, especially when you're just starting out. If your goal is long-term wealth creation, just stay consistent and avoid checking the returns every day.

I am a beginner and I started my first SIPs of 500rs each in these two funds in this month
1. UTI Nifty 50 index fund
2. Nippon India gold savings
Since the day I invested, the Nippon India Gold Savings fund has been showing a negative return.
Is this normal or did I make a mistake with the gold fund? Would love some guidance on how to look at this. Thanks!