Why do content material creators maintain speaking about Parag Parikh Flexicap? As a result of they know it’ll garner curiosity from each unitholders and bystanders. One of the best ways to deal with that is to keep away from watching any monetary content material on social media or YouTube, so the algorithms assume you don’t care.
However that appears arduous for most individuals. The subsequent smartest thing to do is to disregard all these content material creators (together with yours actually). Many, if not most, take note of engagement farming as a result of they neither have readability nor conviction.
They select Parag Parikh Flexicap when all of the apps and web sites claimed it was an important fund. Some who couldn’t determine between lively and passive investing determined so as to add an index fund to this flexicap.
chunk of inventory and mutual fund buyers haven’t skilled a sideways market. They noticed the COVID crash and assumed they’d lived via the worst and had turn into ‘seasoned’. The worst part of the inventory market is just not violent up or down swings however the doldrums of a sideways market that may lengthen for years!
Fairness can check your persistence and the way! When you lose it, all the pieces about your less-performing holdings would appear improper – the dimensions, the money held, the inventory picks, the change in holding market cap. Content material creators exploit this and ask you to affix the bandwagon of backseat drivers.
🔥Safe your future with our Robo-advisory tool trusted by over 3,000 buyers and advisors. From easy retirement planning to funding your youngsters’s greatest desires, flip your monetary objectives into actuality. 🔥
Earlier than we contemplate the choices earlier than an investor, and to see previous the social media noise, we have to have a look at the info.
1. At 1,48,429 crores, Parag Parikh Flexicap is large! The subsequent largest within the class is HDFC Flexicap at 1,10,736.4 Crores. All different funds within the class have lower than 50% of PPFC’s AUM! Except for SBI Nifty 50 ETF, which holds a giant chunk of EPF AUM, PPFC is the most important fairness fund in India.
It’s a rare achievement. Will its measurement contribute to its downfall? Nobody can say for positive.
2. Parag Parikh Flexicap has turn into a large-cap-oriented fund. We revealed this in Nov 2025 – Parag Parikh Large Cap Fund – a curious choice
3. The massive cap area goes via a sideways market.
4. Different flexicap funds are most likely doing effectively. Within the final 1, 2, 3, 4, 5-year trailing returns, it has not been a “prime fund”.
These are the five-year rolling returns of the fund vs Nifty 500 TRI. 5 years as a result of that’s the longest rope I might give an lively fund supervisor to outperform its benchmark for the charge charged. That’s not horrible “underperformance”.
This rolling returns chart was created with the MF analyser device a part of the freefincal investor circle.
5. For a myriad of causes, funds undergo intervals of outperformance and underperformance. Nobody is exempt from the regulation of averages.
The remaining is theory. In the event you anticipate your fund to carry out yearly or be a topper on a regular basis, the fault is together with your expectations and understanding of danger.
It’s a waste of time attempting to determine ‘why’ the fund is just not doing ‘effectively’. Many have opined on the explanations and gave the impression of it’s a truth. It’s a greater waste of time taking them severely.
The fund’s efficiency can turn into worse or higher sooner or later. Nobody, together with the fund supervisor, is aware of the longer term.
So, what are your choices?
1. Preserve the religion and keep invested. You might be snug together with your returns and the fund’s efficiency because you invested, and also you need to give the fund supervisor some extra time. I’m an NFO investor on this fund and I’ve an enormous focus danger on this. See: 18 years of mutual fund investing: My Journey and lessons learned. Not less than in the interim, I’m not doing something. I’ve no different rationale apart from that I’m too drained and too previous to react to those modifications.
2. Swap to a different lively fund. However you’ll have to face the identical dangers of underperformance there once more. Those that take this route will choose this, will maintain present models in Parag Parikh Flexicap as is and spend money on one other lively fund. In the event that they maintain this up, their portfolio will likely be cluttered with lively funds, and they are going to be “shopping for the whole market” for an costly charge (general portfolio efficiency may are inclined to that of the index).
3. Swap to index investing, particularly in case your publicity is small. No extra worrying about fund efficiency, charges or star scores.
If you will do nothing, then avoid monetary content material. If you will act, then use this as an excuse to do correct goal-based investing and choose appropriate various funds.
Do share this text with your mates utilizing the buttons beneath.
Use our Robo-advisory Tool to create a complete financial plan! Greater than 3,000 buyers and advisors use this! Use the low cost code robo25 for 20% off. Plan your retirement (early, regular, earlier than, and after), in addition to non-recurring monetary objectives (resembling little one training) and recurring monetary objectives (resembling holidays and equipment purchases). The device would assist anybody aged 18 to 80 plan for his or her retirement, in addition to for six non-recurring and 4 recurring monetary objectives, with an in depth money circulation abstract.
🔥Be part of our group of 9000+ customers! 🔥Avail massive discounts on our courses + freefincal investor circle!
Track your mutual funds and stock investments with our Google Sheet!
We additionally publish month-to-month equity mutual funds, debt and hybrid mutual funds, index funds, ETF screeners, in addition to momentum and low-volatility stock screeners.
You may observe our articles on Google Information
We’ve over 1,000 movies on YouTube!
Podcast: Let’s Get RICH With PATTU! Every single Indian CAN grow their wealth!
You can watch podcast episodes on the OfSpin Media Friends YouTube Channel
Now watch Let’s Get Rich With Pattu தமிழில் (in Tamil)!
- Do you will have a remark concerning the above article? Attain out to us on Twitter: @freefincal or @pattufreefincal
- Have a query? Subscribe to our publication utilizing the shape beneath.
- Hit ‘reply’ to any e mail from us! We don’t provide personalised funding recommendation. We will write an in depth article with out mentioning your identify when you have a generic query.
About The Creator
Dr M. Pattabiraman (PhD) is the founder, managing editor and first writer of freefincal. He’s an associate professor at the Indian Institute of Technology, Madras. He has over 14 years of expertise publishing information evaluation, analysis and monetary product improvement.
Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY buyers. (2) Gamechanger for younger earners. (3) Chinchu Gets a Superpower! for teenagers. He has additionally written seven different free e-books on numerous cash administration subjects. He’s a patron and co-founder of “Fee-only India,” an organisation selling unbiased, commission-free, AUM-independent funding recommendation.
Join with him through Twitter(X) LinkedIn YouTube
Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! Greater than 3,500 buyers and advisors are a part of our unique group! Get readability on methods to plan in your objectives and obtain the required corpus irrespective of the market situation!! Watch the primary lecture free of charge! One-time cost! No recurring charges! Life-long entry to movies! Cut back worry, uncertainty and doubt whereas investing! Discover ways to plan in your objectives earlier than and after retirement with confidence.
Increase your income by getting people to pay for your skills! Greater than 900 salaried workers, entrepreneurs and monetary advisors are a part of our unique group! Discover ways to get folks to pay in your expertise! Whether or not you’re a skilled or small enterprise proprietor in search of extra shoppers via on-line visibility, or a salaried particular person in search of a aspect revenue or passive revenue, we’ll present you methods to obtain this by showcasing your expertise and constructing a group that trusts and pays you. (Watch the first lecture free of charge). One-time cost! No recurring charges! Life-long entry to movies!
Our book for kids: “Chinchu Gets a Superpower!” is now available!
Most investor issues will be traced to an absence of knowledgeable decision-making. We made dangerous selections and cash errors once we began incomes and spent years undoing these errors. Why ought to our kids undergo the identical ache? What is that this e book about? As dad and mom, what would it not be if we needed to groom one skill in our kids that’s key not solely to cash administration and investing however to any facet of life? My reply: Sound Resolution Making. So, on this e book, we meet Chinchu, who’s about to show 10. The narrative revolves round what he desires for his birthday and the way his dad and mom plan for it, whereas additionally instructing him a number of key concepts of decision-making and cash administration. What readers say!
Should-read e book even for adults! That is one thing that each father or mother ought to train their children proper from their younger age. The significance of cash administration and choice making primarily based on their desires and wishes. Very properly written in easy phrases. – Arun.
Buy the book: Chinchu gets a superpower for your child!
How to profit from content writing: Our new e book is for these taken with getting a aspect revenue through content material writing. It’s out there at a 50% low cost for Rs. 500 solely!
We publish month-to-month mutual fund screeners and momentum, low-volatility stock screeners.
About freefincal & its content material coverage
Freefincal is a Information Media organisation devoted to offering unique evaluation, studies, evaluations and insights on mutual funds, shares, investing, retirement and private finance developments. We accomplish that with out battle of curiosity and bias. Observe us on Google News. Freefincal serves greater than three million readers a 12 months (5 million web page views) with articles primarily based solely on factual info and detailed evaluation by its authors. All statements made will likely be verified with credible and educated sources earlier than publication. Freefincal doesn’t publish paid articles, promotions, PR, satire or opinions with out knowledge. All opinions will likely be inferences backed by verifiable, reproducible proof/knowledge. Contact Data: To get in contact, please use our contact form. (Sponsored posts or paid collaborations is not going to be entertained.)
Join with us on social media
Our publications
You Can Be Wealthy Too with Objective-Based mostly Investing
Revealed by CNBC TV18, this e book is designed that will help you ask the proper questions and discover the right solutions. Moreover, it comes with 9 on-line calculators, permitting you to create customized options tailor-made to your life-style. Get it now.
Gamechanger: Overlook Startups, Be part of Company & Nonetheless Reside the Wealthy Life You Need
This e book is designed for younger earners to get their fundamentals proper from the beginning! It can additionally show you how to journey to unique locations at a low value! Get it or gift it to a young earner.
Your Final Information to Journey
That is an in-depth exploration of trip planning, together with discovering reasonably priced flights, funds lodging, and sensible journey suggestions. It additionally examines the advantages of travelling slowly, each financially and psychologically, with hyperlinks to related net pages and steerage at each step. Get the PDF for Rs 300 (instant download)
