Mutual Fund Investment STRATEGY for 2025! | Ankur Warikoo Hindi

"I have deployed a lot of money in small cap funds and I know that I am going to be there for as long as the fund lasts, but let's say 10 to 15 years."

"I have been with this fund for maybe 7 years now. So far, on an average, it has given me a return of 32%, which is quite insane and also unreasonable. I think that long term this will settle at about 18 to 20%, which is my minimum expectation."

"In fact, in my internal calculations in flexi caps, I had kept it at 15 to 18, so at 21, if I I am getting that."

"I have taken the number one ICICI Prudential small cap fund again because in the last three-four years there has been so much madness in small caps, so the returns are quite unreasonable. Right now my X1RR is around 46.5. Insane"

"momentum strategy is there in the family as well, it is also there in mine, it has been there for a really long time and a lot of money is deployed in it and its X1RR has been quite impressive, I have got 28.555100."

"Since then, it has increased by about 130. It's hardly a two-year gap, so the growth rate is a bit insane."

"if their mutual fund becomes too big then that money is not properly deployed."

"So I look for mutual funds which are between 2000 to 25000 crores. Two means 2000 to 25000 crores."

"And a great way of minimizing that is that you buy index funds. Why are index funds cheaper?"

"If your income in 20 years is less than ₹ 20 lakh annually, then you should invest around 25% of your investment amount in fixed return assets... Then invest the remaining 75% in the stock market. And my opinion in that would be Nifty at 65%. Put 50 in mutual funds and at 35 in midcap mutual funds. Small caps, please do not test this income."

"If you are earning 9 lakhs from 3 lakhs, which means your salary has improved a little. Again, at 25 lakhs you are putting it in fixed assets. At 75 lakhs you will put it in stock market, but now the stock market investment will be of a very different shape. My opinion would be that at 30 lakhs you should put it in Nifty 50 or large caps. At 40 lakhs you should put it in midcaps and the remaining 30 lakhs you should put it in small caps."

"And if the salary is ₹3 to ₹1 lakh, then you can actually deploy money in small caps and large caps. If your income is more than ₹1 lakh, then you can reduce it by 20 lakhs. But put your invested amount in fixed deposits or fixed return assets and invest in stock market at 80 because your salary is good and you are ready to take more risk and this mix will also change a bit now, large cap at 25, mid cap at 40 and small cap at around 35"

"if you earn less than ₹ lakh, at 30 your investment should go in fixed return, it can be FD, debt mutual funds, EPF, PPF, NPS, digital gold, at 70 your investment can go in stock market but out of that 70, at 70 or 80 you should go in large cap and why only at 20 or 30 in mid cap"

"If the annual salary is between ₹ to ₹ lakh then the pattern changes a bit. Fixed return at 25, stock market at 75 and out of that 75 we will still invest 60% in large cap, at 30 in mid cap and at 10 only invest 10% in small cap mutual funds."

"If the salary is more than ₹ lakh then still fixed return at 25, stock market at 75 and the trend of that 75 will change a bit. Now at 50 it can be large cap, at 35 it can be mid cap and at 15 it can be small cap."

"If at this time your income is still less than ₹ lakh then at 50 your invested amount should go into fixed return and the rest You can invest 50% of it in the stock market and out of that 50%, almost 100% should go to large cap only. I would say that maximum you should reduce it to 80% and make it mid cap at 20%"

"if your annual salary is 9 lakhs, then my opinion would be on 40%. You should invest in your fixed return... and stock market at 60% and out of this 60%, 75% will still be large cap, 25% will be mid cap, small cap is still not there."

"and if your salary is more than ₹ lakh, maybe it could be 18, maybe 27, then you should decide it as per your own, at 30 you will still invest in fixed returns, at 70 you can invest in stock market and at that 70 also my opinion would be that at 70 you should invest in large cap, at 30 in mid cap and still do not take any small cap"

"to invest in mutual funds, my advice will always be through SIP because they handle all the ups and downs, whether the market is up or down, the money will be deducted on the same date of every month."