October’19 – Mutual Fund Investments

I had given out a loan of Rs.2,00,000 to a family friend. I had a total of Rs.3,19,000. Of this, I invested Rs.1,50,000 in the stock market. The remaining Rs.1,69,000 I decided to spread across into Mutual and Debt funds. Here is my October’19 Mutual Fund investments update. If you noticed, a larger share of my money is in Mutual funds and not in stocks. I have been trading for over 10 years with moderate amount of success, I know that stocks pay more, but are far more riskier. Even among funds, I decided to play safe. Here is how it went…

Sizes: Large, Mid, Small

No, it is not what you think! This is how Mutual funds are categorized according to where majority of their corpus is invested in. When deciding where to invest, I went with splitting my money in two categories again

• Debt & Liquid Funds (50%)
• Equity Funds (50%)

This way, Debt funds are far less riskier and end up providing a somewhat steady source of income, while the Equity funds go up and down with the market. Additionally, Debt Liquid and Ultra short duration funds are easy and quick to withdraw, usually back in your bank account in 2-4 days. Hence, I have some liquidity in case of emergency.

My Funds Portfolio – October’19

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