{"id":1165,"date":"2024-04-22T10:33:14","date_gmt":"2024-04-22T10:33:14","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=1165"},"modified":"2026-03-02T19:27:51","modified_gmt":"2026-03-02T19:27:51","slug":"how-will-you-advise-a-21-year-old-to-start-his-investment-journey-who-is-willing-to-invest-around-50k-80k-per-month-in-mutual-funds","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/22\/how-will-you-advise-a-21-year-old-to-start-his-investment-journey-who-is-willing-to-invest-around-50k-80k-per-month-in-mutual-funds\/","title":{"rendered":"How will you advise a 21 year old to start his investment journey who is willing to invest around 50K-80k per month in mutual funds?"},"content":{"rendered":"\n

My advise will be FIVE pointed:<\/p>\n\n\n\n

  1. Go only for Direct Plans. In your long investment journey losing 1% to 1.5% each year definitely will result in half your entire portfolio going to brokers\/banks\/apps. Use a Direct MF platform that aggregates the AMCs and picks the funds for you.<\/li>
  2. Go with SIPs as they are a disciplined way of investing and ensure that you are invested through the ups and downs of the markets.<\/li>
  3. Go for a high equity allocation. To know more register at\u00a0Maxiomwealth<\/a>\u00a0and take a risk profile quiz to check how much you can go into equities. Ensure you have some cash flow for expense and rest can be invested one equities<\/li>
  4. For fund selection, go with funds with long track record of returns AND a solid process, not the flashy ones with heavy advertising. Such funds should not fall too much when markets are down. In the long run, sequence of returns matters a lot!<\/li>
  5. Dont panic when markets correct. Since you have time on your side, invest when all the folks around you panic \ud83d\ude42<\/li><\/ol>\n\n\n\n

    Happy Investing!<\/p>\n\n\n\n\n

    \n

    Maxiom Wealth \u2014 Free Tool<\/p>\n

    Is Your Mutual Fund Working Hard Enough?<\/h3>\n

    Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you’re in the right scheme for your risk profile and investment horizon.<\/p>\n Compare Funds \u2192<\/a>\n Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    My advise will be FIVE pointed: Go only for Direct Plans. In your long investment journey losing 1% to 1.5% each year definitely will result in half your entire portfolio going to brokers\/banks\/apps. Use a Direct MF platform that aggregates the AMCs and picks the funds for you. Go with SIPs as they are a… Read More »How will you advise a 21 year old to start his investment journey who is willing to invest around 50K-80k per month in mutual funds?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[125,38],"tags":[],"class_list":["post-1165","post","type-post","status-publish","format-standard","hentry","category-age-based-investing-mutual-funds","category-mutual-funds"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1165","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=1165"}],"version-history":[{"count":2,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1165\/revisions"}],"predecessor-version":[{"id":3641,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1165\/revisions\/3641"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=1165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=1165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=1165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}