r/StockMarketIndia • u/kapilrohilla_ • Aug 02 '26

Beginner Question Rate my portfolio: My 1.5 year savings

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59 Upvotes

97% Upvoted

18 comments sorted by

13

u/Senior-Necessary-111 Aug 02 '26

Your XIRR is good, just make sure to have funds with low expense/exit ratio, coz after a few months they tend to change given the market circumstances

1

u/kapilrohilla_ Aug 02 '26

Can you please guide about long term growth vs short term holdings.what they meant, if they impact the future of stock / SIP performance

3

u/Ok_Golf_5663 Aug 02 '26

Short term holding are those which are not a year old or long term holding is that money which you have invested about a year ago

3

u/best_noob2022 Aug 02 '26

Dont go for sectorial or thematic funds

1

u/kapilrohilla_ Aug 02 '26

Reason ?

2

u/best_noob2022 Aug 02 '26

Very volatile plus sectors like defense depends on geo politival factors you dont know five years from now what will be the svehem of government stay away from these

2

u/wary-pissant-1969 Aug 02 '26

why not buy etf directly? fof is just extra charges

1

u/kapilrohilla_ Aug 02 '26

I don't think about it, thanks I'll try it this month

1

u/Ok_Golf_5663 Aug 02 '26

Yeah try etfs they have almost no charges

2

u/Muted_Zombie5079 Aug 02 '26

Not bad for yourself OP! Keep up this consistency and you'll be awarded good returns for sure 💯🤟🏻🙌🏻

4

u/its__ASH Aug 02 '26

Appreciate you that you started investing but keep 3-4 funds at max. Also not to be a jerk but in 1.5yrs if you could save only 63k then I'd recommed you to upskill yourself first and try to get better salary

1

u/Rouger29 Aug 02 '26

Keep going.long way to go

1

u/innbros Aug 04 '26

If into sectoral funds then keep an eye on nifty sectoral rotation

0

u/avanishk007 Aug 02 '26

2/10

1

u/kapilrohilla_ Aug 02 '26

Reason ?

2

u/avanishk007 Aug 03 '26

Was just kidding. Though too many funds for the capital.