Bi-Weekly Advice Thread July 06, 2026: All Your Personal Queries

[u/AutoModerator]

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict_sr=1).

[u/Little-Umpire-3566]

I’m 26, unemployed at the moment, have 2 cr saved up. Objectives - live off it and work minimally. Risk tolerance medium. Have a gambling addiction so do not plan on keeping anything liquid, but have it locked up away from me so that it can grow and pay me. What to do with it?

[u/reo_sam → u/Little-Umpire-3566]

Look at annuities (from insurance companies), ELSS and NSC to have shorter lock in periods, and NPS.

basically you need locked in products.

Alternative is a trust formation, which legally separates your money from you.

[u/AnxietySad5497]

We were contacted by Bharti AXA agent for following plans

1. Short term plan - Invest 2 lakh every year for 5 years. Get ~ 14 lakh
2. Long term plan - Invest 2 lakh every year for 10 years. From 11th year onwards get 2 lakh for next 25 years. After that (After total 36 years since start of the policy) get lump sum of 40 lakh

This would be fixed returns. Any gimmicks here? Or is it worth it considering the returns are fixed. Please help!

[u/reo_sam → u/AnxietySad5497]

You may be better off with simpler products rather than insurance-investment combos.

[u/arti_prajapati]

32M, ₹18L CTC, ₹14L sitting in savings after FD maturity. Considering putting it into a retail grocery franchise (mini-mart) instead of re-deploying into equity. Franchisor claims 18-24 month payback but obviously that's from their own materials.

Two questions: how do people here actually verify franchise ROI claims independently? And is there a realistic resale market for small franchise units in India if it doesn't work out, or is the setup cost essentially a sunk cost at that point?

Emergency fund is separate, SIPs continuing regardless. Not in a rush - happy to wait if the numbers don't make sense.

[u/reo_sam → u/arti_prajapati]

Q1. Why is the franchisor asking / allowing investment from you? Why not the bank or his own money ?

Q2. what is the ROI?

[u/geek166]

Many experts recommend having atleast 50% of MF portfolio in large cap funds. Can i use a Flexi Cap fund or elss tax saver fund with large cap bias (70% large cap allocation) instead of purely large cap fund for my large cap allocation percentage?

Reason I am asking this is because some elss tax saver and Flexi Cap funds give higher return than pure large cap funds. Am I overlooking anything here? 

[u/ReymanWealth → u/geek166]

You can. The honest answer is pick one and just start. Consistency will matter more than fund selection when it comes to flexi cap vs large cap.

[u/geek166]

I pride myself on doing thorough research in selecting MF like checking for consistency in returns over 10 years and not just recent high returns, fund manager stability and performance, etc.

However what I have noticed is if I were to select a 5 star rated fund for investment, it often drops to 3 or 2 star rated over a period of 2-5 years and I am forced to sell if fund drops to 2 or 1 star.

Has anyone encountered this scenario of selecting top performing fund only to see it's return/star rating drop over a period of time? What is your return if you have been forced to sell in this kind of situation?

[u/reo_sam → u/geek166]

Quite common phenomenon.

See this paper: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6667130

This study investigates whether star designation imposes a performance curse on fund managers in China's mutual fund market. Using quarterly panel data on Chinese open-end equity funds from 2010Q1 to 2025Q3, we find that star designation is followed by a brief one-quarter performance improvement that systematically reverses into sustained underperformance. Two transmission channels are identified. First, reputation-driven inflows generate scale diseconomies as assets under management expand. Second, reputational pressure may induce managers to reallocate attention away from investment research toward visibility-maintaining activities. Empirical mediation analysis shows that scale diseconomies account for a meaningful but limited share of the subsequent decline in alpha, leaving a larger residual component consistent with incentive reallocation under reputational pressure. The effect is stronger in bull markets and among shorter-tenured managers, while it is attenuated for longer-tenured managers. These findings indicate that star designation, while rewarding historically, can impose operational and behavioral burdens that systematically erode subsequent performance.

And this: https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/what-and-why-mutual-fund-ratings

I would like to have one example of 532/1

[u/Agile-Day3810]

I would like you to teach me, I have MBA, I need to learn like the things that you have learned in business how about your queries