Which are the top performing equity Mutual Funds in India

 Identifying the "top performing" equity mutual funds in India depends on the time horizon you're considering, as performance can vary significantly over different periods. However, based on recent data and consistent performance, here's a general overview:

Key Trends and Top Performers (based on recent data):

 * Small-cap and Mid-cap funds have shown strong long-term performance: Many small-cap and mid-cap funds have delivered impressive returns over 3, 5, and even 10-year periods. This is often attributed to the high growth potential of smaller and medium-sized companies in India.

   * Examples of top performers in these categories over 5 years:

     * Quant Small Cap Fund: Consistently cited as a top performer with very high annualized returns over 5 years (e.g., over 40% CAGR).

     * Nippon India Small Cap Fund: Another strong performer in the small-cap space with high 5-year annualized returns.

     * Quant Infrastructure Fund: A thematic fund focusing on infrastructure, also showing excellent 5-year returns.

     * Motilal Oswal Midcap Fund and Edelweiss Mid Cap Fund have also shown strong long-term performance.

 * Flexi-cap funds offer diversification: These funds have the flexibility to invest across market caps (large, mid, and small), allowing fund managers to adapt to changing market conditions.

   * Examples:

     * Parag Parikh Flexi Cap Fund

     * HDFC Flexi Cap Fund

     * Quant Flexi Cap Fund

 * ELSS (Equity Linked Savings Schemes) funds for tax saving: These funds offer tax benefits under Section 80C of the Income Tax Act, along with equity exposure. Some ELSS funds have also shown strong performance.

   * Examples:

     * Quant ELSS Tax Saver Fund

     * Motilal Oswal ELSS Tax Saver Fund

     * SBI ELSS Tax Saver Fund

     * HDFC ELSS Tax Saver Fund

 * Large & Mid Cap Funds: These funds invest in a mix of large and mid-sized companies, aiming for a balance of stability and growth.

   * Examples:

     * Bandhan Large & Mid Cap Fund

     * ICICI Prudential Large & Mid Cap Fund

Important Considerations When Looking at Performance:

 * Past performance is not an indicator of future results: While high past returns are attractive, it's crucial to understand that market conditions change, and a fund's future performance may not mirror its past.

 * Risk tolerance: Small-cap and mid-cap funds are generally more volatile and carry higher risk than large-cap funds. Understand your own risk appetite before investing.

 * Investment horizon: Equity mutual funds are generally recommended for long-term investments (5+ years) to ride out market fluctuations.

 * Expense Ratio: A lower expense ratio means more of your money is working for you.

 * Fund Manager's Expertise: The experience and track record of the fund manager play a crucial role.

 * Investment Objective and Strategy: Ensure the fund's investment objective aligns with your financial goals.

 * Direct vs. Regular Plans: Direct plans have lower expense ratios as they don't involve distributor commissions.

How to Research and Choose:

 * Consult financial advisors: A qualified financial advisor can assess your financial goals, risk tolerance, and help you choose suitable funds.

 * Use reliable platforms: Websites like Groww, Scripbox, Paytm Money, Crisil Intelligence, Value Research, and The Economic Times Mutual Funds section provide comprehensive data, ratings, and analysis.

 * Look at consistent performers: Focus on funds that have performed well consistently across different market cycles, not just those with the highest recent returns.

 * Diversify: Don't put all your money into a single fund or a single category. Diversify across different fund categories and fund houses.

Given that the current date is July 29, 2025, the information provided above is based on the most recent available data, often reflecting performance up to June/July 2025. Always check the latest factsheets and performance data before making any investment decisions.

Asset class performances

 Above chart shows performance of different asset class from 1996 to 2025 till now.

Also last four line gives performance asset classes like PPF, FD, Gold, Silver and equity (sensex also nifty 500)

Where every year Rs 50000 invested in all asset classes given above.

Total invested value.                 Rs 15 lakh

Present value in each asset classes

Asset Class.                      P value.             CAGR

1.    PPF                         Rs     63.21 lakh.         8.2 %

2.    Fixed deposit        Rs.    54.5  lakh.         7.4 %

3.    Gold.                       Rs  135.7 lakhs         12.  %

4.    Silver.                     Rs.   93.2 lakhs         10.1 %

5.    Sensex ( Equity).  Rs. 191.2 lakhs.        13.7 %

6.    Nifty 500.               Rs. 233.2 lakhs.        14.7%

In direct equity we don't know stock selected by gives superior return or bad return.

So better to choose equity mutual funds to give superior returns. As fund manager experts in equity and  will handle our portfolio.

To start with equity, debt and gold mutual funds,  individually in equity select equity funds or combination with other asset classes select Hybrid funds.

To start with any mutual fund schemes sign up hear

https://slfinancialservices.wylth.com/

Have happy journey in investment 

Psychology Plays a Vital Role in Markets!

 ** 

A beautiful e.g of Anchoring Bias shared 👇

A guy bought Tata Motors at ₹300. 

It touched ₹1170. 

He held on. 

Now it’s at ₹630. 

He is now unsure whether to hold, sell, or buy more.

No, this thread isn’t about Tata Motors.

This is about your mindset.

Because the biggest mistake wasn’t holding the stock.

It was anchoring his emotions to a number.

Let’s break it down:

In 1975, psychologists Tversky and Kahneman discovered:

Humans aren’t rational. 

They’re emotional.

The moment we see a price—any price—our brain treats it as a reference point for everything that follows.

So when Tata Motors hit ₹1170, his brain locked that in.

From that point on, anything lower feels like a “loss.”

Even ₹635, which is still 100% above his purchase price.

This is called: Anchoring Bias.

It makes you blind to present value.

And a prisoner of past numbers.

Now add another sneaky psychological trap: The Endowment Effect

He didn’t just “buy” Tata Motors.

He owned it.

He attached emotion to it.

He made it personal.

And the moment something becomes “yours,”

you overvalue it, irrationally.

So you hold on longer than you should.

Because selling it feels like giving up a piece of your identity.

Here’s the paradox:

When the stock is with you → ₹635 feels “too low” to sell

When you don’t own it → ₹635 feels “too high” to buy

Same price.

Different emotion.

Same irrational trap.

So what’s the solution?

I asked him:

“If he didn’t own Tata Motors, would he buy it today at ₹635?”

If the answer is YES — then hold.

If the answer is NO — then sell and redeploy that capital better.

That’s not emotion.

That’s logic.

The market doesn't care:

>How much did you buy a stock for

>How high it once went

>How long you held it

It only asks:

 “Is this the best place for your money RIGHT NOW?”

If not — move.

No guilt. No grief.

Because the truth is:

You’ll never sell at the top.

You’ll never buy at the bottom.

But if you master your mind,

You’ll always protect your capital.

That’s how wealth is built.

Not by holding tight, but by letting go — at the right time.

Anchoring Bias traps your decisions.

Endowment Effect clouds your judgment.

Emotional attachment kills your returns.

Escape all three.

By asking one honest question:

Would I buy this today?

Over 95% of investors underperform the index.

Not because of bad stocks.

But because of bad psychology.

Learn the Game.

Or be Played by it.

India New Boy in Defence Town !!

 

The global defense market is a massive $2.49 trillion industry, with India ranking fourth in defense spending with a budget of $74.5 billion. Despite global tensions, such as the Ukraine-Russia conflict and Israel-Hamas clashes, India's defense sector has been gaining attention. Operation Sindoor has been a game-changer, showcasing India's defense capabilities.

India's defense spending is substantial, with significant investments in fighter jets, including the $7.8 billion deal for 36 Rafale jets and potential procurement of 26 Rafale M jets for its INS Vikrant aircraft carrier. The country has also invested $5.4 billion in 5 S-400 Triumf air defense systems, Akula-II Nuclear Attack Submarine, Apache and Chinook Helicopters, and more.

India aims to boost its defense exports to $6.7 billion by 2025 and become one of the top 5 defense exporters globally, up from its current 25th position. The US dominates the global arms market with 43% share, followed by France, Russia, China, and Germany.

India's defense exports have grown exponentially, with a CAGR of over 30% in the last decade. Key export products include:

- BrahMos Supersonic Cruise Missile

- Tejas Light Combat Aircraft (LCA)

- Dhanush Artillery Gun

- Akash Surface-to-Air Missile System

- Pinaka Multi-Barrel Rocket Launcher (MBRL)

- Electronic Warfare Systems

These products are being exported to countries like Mauritius, Vietnam, Sri Lanka, UAE, Israel, Saudi Arabia, Brazil, Argentina, Qatar, Oman, Philippines, and Singapore.

The Philippines has signed a deal for BrahMos missiles, while the UAE has signed an MOU. India has also exported drones to Saudi Arabia, Mauritius, and Maldives.

To achieve its ambitious defense export targets, India is focusing on:

- Make in India: Encouraging indigenous defense manufacturing

- Defence Acquisition Procedure (DAP): Streamlining procurement processes

- Innovation and Indigenisation Fund: Supporting research and development

- Defence Export Strategy: Identifying markets and products for export

With these initiatives, India is poised to become a significant player in the global defense industry.

#Defence #indiashining

Pension with SWP

 💰 Need a steady income stream during retirement? A Systematic Withdrawal Plan (#SWP) is ur answer!

✅. Invest Lump sum amount in any Hybrid or equity fund ( e g. Rs 2500000)

✅ Set a withdrawal amount (e.g., ₹20,000/month)

✅ Choose ur frequency (e.g., monthly)

✅ Decide on the duration (e.g., 5......20  years)

Enjoy a predictable income & manage market risks

Credit Cards – Smart Use, Potential Pitfalls

 Credit Cards – Smart Use, Potential Pitfalls

Credit cards can be risky if mismanaged. Overspending leads to debt, but careful use offers benefits:

1. Cashback and Rewards

Earn points or cashback for spending, redeemable for flights, hotels, or vouchers. Those rewards might tempt unnecessary spending.

2. Extra Perks

Enjoy free lounge access, travel insurance, and concierge services, but some perks are rarely needed or lead to more spending. 

3. Builds Credit Score

Timely payments and low usage improve your credit score, but missing payments can severely damage it, making future loans tougher.

Bottom Line:

Overspending and late payments increase interest and hurt your credit score. Approach credit card use cautiously to avoid long-term financial issues.

Active versus passive funds, Which is better

 

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