Lump Sum Investment Secrets | Mutual Fund Investors Must Watch || Ask Mutual Globe || Ep 85

For a detailed review of your investment in equity schemes, please watch Episode 84
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   • TOP EQUITY SCHEMES-FOR SIP IN SEPTEMBER-20...  

Looking for clear, no-nonsense answers to your mutual fund doubts? In this episode, Rahul Narayan and CA Manoj Srivastava take real viewer questions—from long-term strategy and lumpsum deployment to scheme selection, retirement safety, and corpus planning. Practical, benchmark-aware guidance you can use today.

🔎 Episode Highlights
Long-term strategy that works: Why “buy & forget” fails; how to track funds when CIO/fund manager/sector cycles change.

Lumpsum playbook: When to stagger (3–6 months in normal times; 9–12 months in high uncertainty), why timing perfectly is a myth, and which valuation/risk metrics actually help.

Are funds over/undervalued? How to balance PE/PB, alpha, beta, SD, yet keep it simple with 1–3 yr performance vs benchmarks.

Retired investor case (age ~58): Handling mis-sold insurance, right use of FD vs Index Funds (Nifty 100 / Midcap 150), safe cash buffer, and why not to rush into buying a house now.

Young earner (age ~22): Starting right with Small Cap + a Mid Cap/Index, step-up SIPs as income grows.

PPFAS/Parag Parikh SIP: Continue the SIP; consider adding one strong Large & Mid Cap for diversification.

₹5 Cr goal reality check: With ~₹40k SIP for 16 years at 12% ≈ ₹1.4–1.5 Cr; what it takes to bridge the gap (income, savings rate, asset mix).

Underperformance query (Nippon Flexi): How to evaluate and when a switch makes sense—refer to our Episode 84 category-wise comparisons.


🙌 Community & Your Questions
This Q&A exists because of your comments. Drop your fund list, goals, and constraints below—we frequently feature viewer portfolios in upcoming episodes so everyone can learn together.

👉Chapters
0:00 – Intro & Welcome
0:29 – Q1: Long-Term Strategy in Mutual Funds (viewer: Virendra Singh)
2:09 – Q2: How to Invest in Lumpsum? Timing, Valuations & Strategy (viewer: Dhiraj Mathur)
6:59 – Q3: Retired Investor Case – FD, Insurance, Gold & Safe Options (viewer: Mauli Ji, age 58)
15:07 – Q4: Young Investor (Age 22) – SIP in Bandhan Small Cap + Mid Cap Choice (viewer: Sandeep Ji)
16:21 – Q5: Continue SIP in Parag Parikh Flexi Cap? (viewer: Sitaram Sharma)
17:50 – Q6: ₹1 Lakh Salary, ₹40k Investment – Can it Reach ₹5 Crore? (viewer: Bhavesh Shah, Mumbai)
20:36 – Q7: Nippon Flexi Cap SIP Not Performing – Should I Switch? (viewer: Rajeev Ji)
21:18 – Wrap-Up & Next Episode Preview

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🤝 Collaborations & Queries
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Welcome to Mutual Globe!

This Channel has been started by CA.Manoj Shrivastava and CA.Rahul Narayan with the mission to educate about Mutual Fund Investments. We are trying to empower people by way of analysing Mutual Funds Schemes so that they make investments in Mutual Funds schemes with an informed view.

DISCLAIMER
These videos are solely for Education & Learning purposes. Analysis discussed here should not be considered as an Investment advise or tips for making any sort of Investment. Investment in Securities market are subject to market risks. Past performance of any Mutual Fund scheme is no guarantee for future Returns. Please read all the related documents before making Investment in Mutual Fund schemes. You must consult Qualified Investment Advisor and Tax Advisor before making your Investment or trading. We will not be responsible for any losses incurred by you because of your investment decisions. We are not SEBI Registered Investment Advisor. Data and incidental facts of schemes at the time of recording of this episode will be different from the day when you are watching it.