Investment Dashboard — Sample Portfolio

💼 Current Holdings

Total Portfolio

₹40L

Invested in MFs

₹15L

Idle Cash

₹6L

US Equities

~₹8L

Account A

Broker A ₹4L

₹4,12,000

Motilal Oswal Midcap 30

7,840 units @ ₹108.40 NAV

₹50K

Mid Cap

Nippon India Large Cap

10,260 units @ ₹98.70 NAV

₹2.4L

Large Cap

Account B

Broker B ₹8L

₹3,28,000

MO Nasdaq 100 FoF

International · US Tech

+98%

🔥 Exceptional

Parag Parikh Flexi Cap

Flexi Cap · Diversified

+71%

Excellent

Portfolio Allocation

Market Cap Breakdown

🚨 The Problem: Idle Money

₹6+ Lakhs sitting idle

Earning 3-7% when it could earn 15-20%

Cost of inaction

₹1-1.2L/yr

Bank X Savings

₹3.5L

~3.5%

Bank Y Fixed Deposits

₹45K

~7%

US Broker Cash (USD)

$1,200

~4.5%

10-Year Projection: ₹6L idle cash

FDs @ 7%

₹12L

+₹6L gains

MFs @ 18%

₹32L

+₹26L gains

Difference over 10 years: ₹20L

📋 Fund Comparison

Fund ↕	Category ↕	AUM (Cr) ↕	Exp % ↕	1Y ↕	3Y ↕	5Y ↕	Sharpe ↕	Sortino ↕

⭐ = Recommended · Click column headers to sort

🔍 Overlap Analysis

Fund Overlap Matrix

	PPFAS	US Index	Edelweiss Mid	Band Sml	Large Cap
PPFAS	—	12%	<5%	<3%	65%
Nasdaq FoF	12%	—	0%	0%	0%
Edelweiss Mid	<5%	0%	—	12%	<5%
Band Sml	<3%	0%	12%	—	0%

Low Moderate High

Sector Allocation (Proposed Portfolio)

Financial22%

Services11%

Technology9%

Healthcare7%

Capital Goods6%

Auto5%

Construction5%

✅ Well diversified — no dangerous concentration

🎯 The Plan

35% · Core

Parag Parikh Flexi Cap

Sharpe 1.68 · 5Y: 18.8%

Best risk-adjusted returns. Built-in intl diversification. Lowest volatility in category.

View detailed analysis →

30% · Growth

Edelweiss Mid Cap

Sharpe 1.27 · 5Y: 24.0%

Best mid-cap by risk metrics. Lowest expense ratio (0.42%). Consistent performer.

View detailed analysis →

25% · Alpha

Bandhan Small Cap

Sharpe 1.22 · 3Y: 32.1%

Best small-cap fund. Manish Gunwani (ex-Nippon) is stellar. Low cost at 0.47%.

View detailed analysis →

10% · Passive

MO Nifty Midcap 150

Exp 0.27% · 5Y: 21.4%

Low-cost passive mid-cap. Diversifies away from active manager risk.

View detailed analysis →

💰

Lump Sum

Deploy ₹1.7L NOW

PPFAS Flexi₹70K

Edelweiss Mid₹50K

Bandhan Small₹50K

Markets ~10% off highs. Good entry point.

📅

Monthly SIP

₹15K/month from salary

PPFAS Flexi₹5,250

Edelweiss Mid₹4,500

Bandhan Small₹3,750

MO Midcap 150₹1,500

SIP date: 5th of every month

🏦

FD Maturity

₹4L via STP over 3-6 months

1. Park in PPFAS Flexi (safe)

2. STP → Edelweiss Mid 40%

3. STP → Bandhan Small 35%

4. STP → MO Midcap 150 25%

Don't lump-sum into mid/small. Stagger entry.

Target: Overall Sample Portfolio After Deployment

Broker A — ₹18L (53%)

Broker B — ₹3.2L (9%)

New Investments — ₹8L (23%)

US Broker — ~₹1L (3%)

FDs + Gold Bonds — ~₹4L (12%)

✅ Action Items

Decide platform: Confirm which platform to use — Broker A or Broker B for new investments Lump sum ₹1.7L: Deploy into PPFAS (₹70K) + Edelweiss Mid (₹50K) + Bandhan Small (₹50K) Set up SIPs: ₹15K/month — PPFAS ₹5.25K + Edelweiss ₹4.5K + Bandhan ₹3.75K + MO Index ₹1.5K on 5th FD maturity plan: Set up STP from PPFAS → mid/small cap as FDs mature Don't touch: Keep Nasdaq FoF + PPFAS in Broker B as-is (both excellent) Tax harvest: In March, book LTCG up to ₹1.25L to use tax-free threshold Quarterly review: Set calendar reminder for May 2026

⚠️ What NOT to Do

❌ Don't add more international funds (already have enough US exposure)
❌ Don't add large-cap funds (Broker A is already large-cap heavy)
❌ Don't chase Quant Small Cap (high expense, erratic, black-box)
❌ Don't stop SIPs during corrections (that's when they work best)
❌ Don't redeem PPFAS or Nasdaq FoF (both excellent long-term holds)

🚀 Plan A: Deploying Idle Cash (₹6L)

Strategy

Keep ₹1L emergency fund in Bank X. Deploy rest via lump sum + STP over 6 months. Don't break FDs — deploy as they mature.

Deployment Timeline

Week 1 — Feb 11-15, 2026

Lump sum from Bank X Savings₹1.7L

PPFAS ₹70K + Edelweiss ₹50K + Bandhan ₹50K

Park in PPFAS (STP source)₹1.8L

STP out ₹30K/mo → Edel 40% / Bandhan 35% / MO Index 25%

US Broker: Buy VOO + QQQM$800

$500 VOO + $300 QQQM. Keep $400 cash

Broker A savings → Edelweiss Mid₹10K

Feb–Jul 2026 — STP Running

₹30K/month auto-transfers from PPFAS →

Edelweiss ₹12K Bandhan ₹10.5K MO Index ₹7.5K

Mar 2026 — FD XXXX01 Matures

₹1.8L → Park in PPFAS → STP 6 months₹1.8L

Edel ₹12K/mo + Bandhan ₹10.5K/mo + MO Index ₹7.5K/mo

As Other FDs Mature

Same strategy: Park in PPFAS → STP to mid/small. Small FDs (< ₹1L) → direct lump sum.

FD	Amount	Maturity	Action
XXXX01	₹1.8L	Mar 2026	PPFAS → STP 6mo
XXXX02	₹1.2L	TBD	PPFAS → STP 6mo
XXXX03	₹32K	TBD	Direct → PPFAS
XXXX04	₹9K	TBD	Direct → Bandhan
XXXX05	₹11K	TBD	Direct → Edelweiss
XXXX06	₹2K	TBD	Direct → any fund

💸 Plan B: Monthly Money Flow — ₹1.0L

How ₹1L Flows Each Month

Tax Provisioning

₹10K

30% · Advance tax quarterly

🏛️

SIP Investments

₹15K

15% · 4 funds on 5th

📈

Living Expenses

₹25K

25% · Rent + food + daily

🏠

Trading System

₹10K

7% · Algo trading R&D

🤖

Emergency Buffer

₹10K

10% · Builds savings over time

🛡️

Discretionary

₹10K

10% · Travel, gadgets, fun

✈️

SIP Allocation Detail — ₹15K/month (5th of every month)

Parag Parikh Flexi Cap₹5,250 (35%)

35%

Edelweiss Mid Cap₹4,500 (30%)

30%

Bandhan Small Cap₹3,750 (25%)

25%

MO Nifty Midcap 150 Index₹1,500 (10%)

10%

🔬 Why These Funds

35% CORE

Parag Parikh Flexi Cap Fund

The smoothest ride with the best returns. For every unit of risk, you get 1.68 units of reward — 70% more return per unit of risk than the average flexi-cap fund.

Sharpe

1.68

Best in category

10Y CAGR

19.3%

vs 15.2% category

Std Dev

8.29

vs 14-16 category

Beta

0.59

Moves 59% of market

✦Rajeev Thakkar — 12+ years same manager. Bought Alphabet, Meta early. Avoided Yes Bank/DHFL disasters. Loaded ITC at lows (since 2x'd).

✦12% international — Alphabet, Meta, Microsoft. Natural hedge when Indian markets crash. Currency diversification if rupee weakens.

✦Crash tested — COVID 2020: market fell 38%, PPFAS fell 25%. 2022 correction: market fell 15%, PPFAS fell 8%.

⚠AUM ₹45K Cr — Largest flexi-cap. May face capacity constraints. Monitor 5Y rolling returns. If consistently <15%, switch to HDFC Flexi Cap.

₹10K invested 10 years ago

₹3.9L @ FD 7%

→

₹59L @ PPFAS 19.3%

+₹8L more

Research Link ↗ Research Link ↗

30% GROWTH

Edelweiss Mid Cap Fund

Mid-cap companies are India's future large-caps. This fund picks the best ones at the lowest cost in the industry, with the best risk-adjusted returns in the category.

Expense

0.42%

vs 0.72% avg

Sharpe

1.27

Best in mid-cap

5Y CAGR

24.0%

Consistent

AUM

₹2.8K Cr

Sweet spot

✦Expense ratio savings — 0.42% vs 0.72% avg. On ₹20L over 10 years: save ₹70K in fees. Over 20 years: ₹8-10L. Fees compound silently against you.

✦AUM ₹13,802 Cr — Fund D at ₹92K Cr is too big to be nimble. Edelweiss is big enough to be stable, small enough to buy mid-caps without moving prices.

✦Mid-cap outperformance — Over any rolling 7Y since 2005, Nifty Midcap 150 beats Nifty 50 by 3-5% CAGR. Today's Bajaj Finance, Trent, Avenue were mid-caps 10Y ago.

✦Downside capture ~85% — When market falls 10%, this fund falls only 8.5%. Better than most mid-cap peers at 100-120%.

Expense ratio impact: ₹20L over 10 years @ 20% CAGR

Edelweiss @ 0.42%Fees: ₹4.2L · Keep: ₹6.15 Cr

Avg fund @ 0.72%Fees: ₹7.2L · Keep: ₹5.85 Cr

Research Link ↗ Research Link ↗

25% ALPHA

Bandhan Small Cap Fund

Your high-octane growth engine. Small-caps can 5-10x over a decade. Yes, they'll crash 30-50% along the way — but with a 10+ year horizon, that volatility is your biggest advantage.

3Y CAGR

32.1%

vs 19.8% category

Sharpe

1.22

Best in small-cap

Sortino

1.95

Excellent downside

Expense

0.47%

Low for small-cap

✦Manish Gunwani — Ex-CIO at Nippon India MF. Top-quartile performance there. Visits 200+ companies/year personally. In small-cap, this ground-level research is everything.

✦Age advantage — With 20+ years to compound. Small-cap has NEVER delivered negative returns over any 10Y period historically.

✦SIP magic in small-cap — High volatility means SIPs buy more units during crashes. ₹3.75K/mo for 10Y at 22% = ₹16L (on ₹4.5L invested).

⚠Will crash 30-50% — Guaranteed within 10 years. 2018-20: fell 45%, then rallied 300%. Only losers are panic-sellers.

Nifty Smallcap 250: Rolling 10Y Returns

2014-202421.8%

2012-202216.4%

2006-201612.3%

2010-2020 (worst)8.1%

Even the worst decade beat FDs at 7%

Research Link ↗ Research Link ↗

10% PASSIVE

MO Nifty Midcap 150 Index Fund

Your insurance against active managers having a bad decade. If Edelweiss's picks falter, this fund captures the entire mid-cap market at rock-bottom cost. No human judgment, no style drift.

Expense

0.27%

vs 0.72% active

Holdings

150

vs ~60 in active

5Y CAGR

21.4%

Tracks index closely

Sharpe

1.02

Solid for passive

✦Active + Passive combo — Edelweiss (60-70 stocks, high conviction) + this (150 stocks, market-weight). Together: concentrated alpha + broad beta.

✦10Y fee savings — On ₹2.5K/mo SIP: ₹30K fees at 0.27% vs ₹80K at 0.72% active. Save ₹10K for doing nothing differently.

✦No manager risk — Active fund manager quits? Fund's returns can collapse. Index fund doesn't care — it just owns the market.

Research Link ↗ Research Link ↗

Sharpe Ratio Comparison — Our Picks vs Peers

🏛️ Tax Planning

Tax Liability Estimate (FY 2025-26)

Gross Income (Employer)₹12,00,000

Less: 80C (PPF+EPF)-₹1,50,000

Less: 80D (Health)-₹21,000

Taxable Income₹10,29,000

Tax (New Regime)₹1,14,400

Cess (4%)₹4,576

Total Tax Liability₹1,18,976

Monthly set-aside₹9,915

⚠️ Consult CA. New vs Old regime choice depends on your specific deductions.

Advance Tax Schedule

Jun 15, 2026

15% cumulative

₹17,850

Sep 15, 2026

45% cumulative

₹35,700

Dec 15, 2026

75% cumulative

₹35,700

Mar 15, 2027

100% · Final

₹29,726

Missing deadlines = interest penalty under 234B/234C. Set calendar reminders!

Where to park tax money: Keep ₹10K/month in Bank X Savings for simplicity. A liquid fund would earn ₹3K/year more — not worth the extra complexity. Focus your energy on the ₹15K/month SIPs instead.

🔮 10-Year Projection

Portfolio Growth: ₹1.7L lump sum + ₹15K/month SIP @ ~19% blended CAGR

Year 3

₹18L

On ₹11.4L invested

Year 5

₹28L

On ₹15L invested

Year 10

₹62L

On ₹24L invested · 2.6x

Total Estimated Wealth in 10 Years (Conservative Estimates)

New MF Investments

₹62L

Broker A MFs

₹85L

US Broker Stocks

₹22L

Broker B

₹12L

EPF + PPF

₹9L

Gold Bonds + Other

₹5L

Estimated Total in 10 Years

~₹2 Cr

Conservative. Historical averages could push this to ₹2.5-3 Cr.