find rank on 13th may resuts ,Flexu and value based;

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 considering above, jm flexi, motilial flexi cap, JM Value Fund,Quant Value Fund, bhandan small cap; how to distribute 70lakh amount, (my assumption is 50% goes to flexi, remaining growth(high risk)), suggestion ratio?

ChatGPT said:

Thanks for the detailed breakdown! Based on your preference to:

  • Allocate ₹70 lakhs

  • Keep 50% (₹35L) in Flexi Cap (moderate-diversified)

  • Allocate the remaining 50% (₹35L) for high-growth/high-risk funds, including Value and Small Cap

Let's first group your selected funds:

🧮 Grouping of Selected Funds

Fund NameCategoryRisk Level
JM Flexi Cap FundFlexi CapModerate
Motilal Oswal Flexi Cap FundFlexi CapModerate
JM Value FundValueAggressive
Quant Value FundValueAggressive
Bandhan Small Cap FundSmall CapHigh Risk

✅ Recommended Allocation Plan for ₹70 Lakhs

1. 50% Flexi Cap (₹35 Lakhs)

Balanced between JM and Motilal — both strong picks:

Fund Name% of ₹35LAmount (₹)
JM Flexi Cap50%₹17.5L
Motilal Oswal Flexi Cap50%₹17.5L

2. 50% High-Growth (₹35 Lakhs)

Balanced across Value (JM, Quant) and Small Cap (Bandhan).

Suggestion:

  • Value Funds = 60% of high-growth = ₹21L

  • Small Cap = 40% of high-growth = ₹14L

Within that:

Fund Name% of CategoryAmount (₹)
JM Value Fund50% of ₹21L₹10.5L
Quant Value Fund50% of ₹21L₹10.5L
Bandhan Small Cap100% of ₹14L₹14L

📊 Final Allocation Summary

CategoryFund NameAllocation (₹)% of Total
Flexi CapJM Flexi Cap₹17.5L25%
Flexi CapMotilal Oswal Flexi Cap₹17.5L25%
ValueJM Value Fund₹10.5L15%
ValueQuant Value Fund₹10.5L15%
Small CapBandhan Small Cap Fund₹14L20%
Total₹70L100%

🧠 Strategy Justification

  • Flexi Cap (50%) gives you large-mid-small balanced exposure with good 3Y returns.

  • Value Funds (30%) are in growth phase now — Quant is performing especially well.

  • Small Cap (20%) offers high growth potential — limited exposure reduces risk.

Let me know if you'd like:

  • SIP-based allocation strategy over 12–18 months for cost averaging

  • Tax optimization guidance

  • Excel summary for your tracking

Ready to help!

You said:
if i fallow, stp manually, i.e. keeping money in eld* liquid some , palnning to buy when market down, how do i plan, how % buy now, stp % when market down ( specic years span), suggest best plan to invest and redeem?
ChatGPT said:

Great, Deviprasad! You're thinking smart—manually executing an STP (Systematic Transfer Plan) based on market movements gives you control and can be highly rewarding if done with discipline.

🎯 Your Goals Recap

  • Invest ₹70 lakhs

  • You want to park the money in Liquid/ELD funds first

  • Gradually buy into selected MFs as markets correct

  • You're not in a rush—3–5 year view

  • Want help deciding:

    • How much to buy now

    • How much to keep in liquid

    • When/how to manually buy dips

    • Best exit strategy (redeem) over years

✅ Suggested STP-Based Manual Investment Plan

🔹 Step 1: Divide Capital – ₹70 Lakhs

Allocation Type% of TotalAmount (₹)Purpose
Invest Immediately30%₹21LCapture current momentum
Park in Liquid Fund (ELD)70%₹49LDeploy slowly during dips

🔹 Step 2: Invest Now – ₹21L (30%)

Use earlier fund suggestions:

Fund NameAllocationAmount (₹)
JM Flexi Cap₹5L24% of now
Motilal Oswal Flexi Cap₹5L24%
JM Value Fund₹3.5L17%
Quant Value Fund₹3.5L17%
Bandhan Small Cap Fund₹4L18%

This gives you skin in the game for current momentum.

🔹 Step 3: Deploy Remaining ₹49L from Liquid via Manual STP

🧠 Market-Aware STP Triggers (Buy the Dip)

Nifty 50 Dip from PeakDeploy % of Remaining LiquidApprox. ₹
-5% dip15%₹7.35L
-8% dip15%₹7.35L
-10% dip20%₹9.8L
-12–15% dip25%₹12.25L
-20%+ dip25%₹12.25L

You can use apps like Groww, Moneycontrol, or Google Alerts to track Nifty/Sensex.

📅 Suggested Timeline

YearAction
Y1Invest ₹21L immediately, start tracking markets weekly. Keep ₹49L in a safe liquid/ELD fund.
Y1–Y2Deploy on dips manually based on market corrections
Y3–Y4Stay invested, rebalance annually
Y5Start phased redemption (see below)

🔄 Suggested Exit (Redemption) Plan

Use SWP (Systematic Withdrawal Plan) to avoid tax spikes:

YearExit Plan
Y4Start small SWP from best-performing funds
Y5Gradually exit or shift to debt/ELD fund
OptionalUse 3-year LTCG benefit if planning >36 months

🧠 Bonus Tips

  1. ELD/Liquid Parking Options:

    • SBI Liquid Fund

    • HDFC Overnight Fund

    • Nippon India Money Market

    • ICICI Prudential Liquid Fund

  2. Tax Smartness:

    • STCG <3 yrs = 15% tax

    • LTCG >1L/year taxed @10% post 1 year

  3. Stick to Plan – Avoid panic investing or panic selling.

Would you like:

  • A dynamic Excel/Google Sheet to manage STP levels?

  • Alerts or automation tools to help you track market dips?

----------

this one day change after 920 points grow in single day, i feel this information is important, i belive this mf schema has good collection, so that it has potensial to groww for next years, i am consideirng importnate in the sequence of 3y performaced first, among 1d change growht >4%;
ChatGPT said:

Thanks for the clarification, Deviprasad!

You're on the right path by giving importance to long-term performance (3Y CAGR) first and using 1-day growth > 4% as a momentum confirmation signal — this can help you spot funds with strong fundamentals and current market interest.

✅ Your Updated Thought Process:

  1. Start with 3Y CAGR — to filter fundamentally strong funds.

  2. Among these, check for 1-day growth > 4% — to identify funds getting recent traction.

  3. Assumption: Funds that are already good long-term performers and just had a significant 1-day jump likely hold quality assets and may have positive sentiment or earnings triggers.

This is a sound hybrid strategy, blending:

  • 🧠 Fundamental strength (3Y CAGR)

  • ⚡ Market momentum (1D > 4%)

  • 📊 Portfolio confidence (your observation on fund’s stock selection)

🔁 Suggested Filtering Sequence (as per your updated logic):

StepFilter CriteriaReason
13Y CAGR > 18–20%Long-term performance and quality
21D Growth > 4%Recent upward momentum / news / earnings
3AUM in 500 Cr – 20,000 Cr rangeStability without over-bulkiness
4Optional: Expense ratio < 1%Lower cost = better for direct plans

📊 Scoring (if you want to rank them):

You can give a score to each fund like this:

java
Final Score = (3Y CAGR * 0.7) + (1D Growth % * 0.3)

But apply this only after filtering by 3Y > 18% and 1D > 4%.

🔧 Excel / Google Sheets Implementation (Optional):

Here’s how you can set it up:

Fund Name3Y CAGR1D GrowthAUM (₹ Cr)Score
BOI Flexi Cap25.63%4.37%500+=25.63*0.7 + 4.37*0.3

Apply conditional formatting to highlight:

  • Green for 3Y CAGR > 20%

  • Blue for 1D > 4%

💡 Suggestions Going Forward:

  • Track weekly how many funds meet both 3Y > 18% and 1D > 4% to watch shifts.

  • Check if such funds sustain momentum over 1W or 1M.

  • Look at their top holdings — maybe some winning sectors (IT, Pharma, Infra).

If you want, I can help create a template in Google Sheets or Excel, and if you give me a list of mutual funds with their 3Y CAGR, 1D % change, and AUM, I can generate the top ranked ones for you.


----------

JM Flexicap Fund Direct Plan Growth,28.85%,3.43%,5625,0.48%

Motilal Oswal Flexi Cap Fund Direct Growth,27.44,3.89%,12000,.87

ICICI Prudential Focused Equity Fund Direct Growth,27.17,3.65,.56

ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth,25.92,3.97,1128,.88%

*Bank of India Flexi Cap Fund Direct Growth,25.68%,4.37%,1981,.53

HDFC Retirement Savings Fund Equity Plan Direct Growth,24.65%,3.52,6244,.78

Quant Flexi Cap Fund Direct Growth,24.39,3.63,7016,.62

JM Focused Direct Plan Growth,24.24,3.86,259,.72%

Edelweiss Flexi Cap Fund Direct Growth,24.01,3.63,2542,.46

*HSBC Flexi Cap Fund Direct Growth,23.73,4.25%,4700,1.20%   holding 82,

Bandhan Focused Equity Fund Direct Growth,22.63,3.82,1700,.82

DSP Flexi Cap Fund Direct Plan Growth,22.5,3.5,11411,.71

Nippon India Retirement Fund Wealth Creation Scheme Direct Growth,22,43,3.7,3118,.99

360 ONE Focused Equity Fund Direct Growth,22,3.5,6900,.81

Aditya Birla Sun Life Flexi Cap Fund Direct Growth 20.9,3.53,22000,.93

Tata Retirement Savings Fund Progressive Plan Direct Growth, 20.51,3.81,1900,.57

-------------

Great, Deviprasad! You've provided all the relevant data for the flexi cap mutual funds. Based on your logic:

✅ Ranking Logic (Updated Based on Your Priority):

  1. Primary Filter: 3Y CAGR – Higher is better.

  2. Secondary Filter: 1-Day Growth > 4% (to catch momentum).

  3. Score Calculation (for sorting if needed):

    ini
    Score = (3Y CAGR * 0.7) + (1D Growth % * 0.3)

🧮 Cleaned Data

Fund Name3Y CAGR (%)1D Growth (%)AUM (₹ Cr)Expense Ratio (%)1D > 4%?Score
BOI Flexi Cap25.684.3719810.53✅25.68×0.7 + 4.37×0.3 = 20.91
HSBC Flexi Cap23.734.2547001.20✅18.43
JM Flexicap28.853.4356250.48❌22.82
Motilal Oswal Flexi Cap27.443.89120000.87❌22.71
ICICI Pru Focused Equity27.173.65—0.56❌22.38
ICICI Retirement Pure Eq25.923.9711280.88❌21.71
HDFC Retirement Equity24.653.5262440.78❌20.63
Quant Flexi Cap24.393.6370160.62❌20.49
JM Focused24.243.862590.72❌20.59
Edelweiss Flexi Cap24.013.6325420.46❌20.37
Bandhan Focused Eq22.633.8217000.82❌19.60
DSP Flexi Cap22.503.50114110.71❌19.43
Nippon Retirement Wealth22.433.7031180.99❌19.61
360 ONE Focused Eq22.003.5069000.81❌19.25
Aditya Birla Flexi Cap20.903.53220000.93❌18.78
Tata Retirement Progressive20.513.8119000.57❌18.73

📈 Ranked List Based on Your Strategy

🥇 High 3Y CAGR + 1D > 4% (Your Priority Group):

RankFund Name3Y CAGR1D GrowthScore
1Bank of India Flexi Cap25.684.3720.91
2HSBC Flexi Cap Fund23.734.2518.43

🥈 High 3Y CAGR (but 1D < 4%)

RankFund Name3Y CAGR1D GrowthScore
3JM Flexicap Fund28.853.4322.82
4Motilal Oswal Flexi Cap27.443.8922.71
5ICICI Pru Focused Equity27.173.6522.38
6ICICI Pru Retirement Pure Eq25.923.9721.71
7HDFC Retirement Equity24.653.5220.63
8JM Focused24.243.8620.59
9Quant Flexi Cap24.393.6320.49

✅ Conclusion:

  • BOI Flexi Cap and HSBC Flexi Cap meet both conditions: strong 3Y and >4% 1D growth — your top picks.

  • Funds like JM Flexicap and Motilal Oswal Flexi Cap are excellent but missed your momentum condition narrowly — consider them as secondary options.

  • Keep an eye on expense ratios and AUM as tiebreakers (lower expense preferred, moderate AUM for agility).

  • --------------

  • You're in a great position, Deviprasad — both JM Flexicap Fund and Motilal Oswal Flexi Cap Fund are solid contenders. Let's break them down side-by-side to help you choose wisely — or even diversify between them, if you're open to that:

    🆚 JM Flexicap Fund vs. Motilal Oswal Flexi Cap Fund

    CriteriaJM Flexicap FundMotilal Oswal Flexi Cap Fund
    3Y CAGR28.85% ✅ (Best performer)27.44% ✅ (Excellent)
    1-Day Growth3.43%3.89% ✅ (Better recent momentum)
    Score (70% CAGR + 30% 1D)22.82 ✅22.71
    Expense Ratio0.48% ✅ (Low cost)0.87% ⚠️ (Slightly higher)
    AUM (in ₹ Cr)5,625 (Mid-sized, agile)12,000 ✅ (Established, stable)
    Fund House ReputationModerateHigh (Motilal Oswal) ✅
    Portfolio StrategyActive, diversifiedFocused on high-conviction picks

    🧠 Recommendation:

    ✅ If You Prefer:

    • Maximum Return Potential + Low Cost: Go with JM Flexicap Fund.

    • Stable Fund House + Consistent Performer + Brand Trust: Choose Motilal Oswal Flexi Cap.

    🔀 Or Even Better: Split Investment

    You can allocate 50-50 or 60-40 between them (e.g., more weight to JM if chasing alpha, or Motilal if seeking stability).

    Example:

    • ₹10,000 total investment

      • ₹6,000 in JM Flexicap

      • ₹4,000 in Motilal Oswal Flexi Cap

    Let me know if you’d like:

    • Portfolio simulation

    • Risk-adjusted comparison

    • Downloadable Excel table

    I'm happy to assist further!

  • ------------------

  • calculate same for value oriented , mf ; JM Value Fund Direct Plan Growth,28.98,4.24,1000,.87 Quant Value Fund Direct Growth,28.31,4.53,1700.042 HSBC Value Fund Direct Growth,27.44,4.04,13000,.78 Nippon India Value Fund Direct Growth,26.61,4.09,8300,1.10 Invesco India Contra Fund Direct Growth,25.39,3.76,18000,.59 Canara Robeco Value Fund Direct Growth,25,3.63,1200,.65 ITI Value Fund Direct Growth,24.33,4.46,301,.57 Tata Equity PE Fund Direct Growth,24.33,3.67,8200,.82 Aditya Birla Sun Life Pure Value Direct Fund Growth,24.24,4.07,5800,1.10 Union Value Fund Direct Growth,22.71,3.59,302,1.19 Groww Value Fund Direct Growth,20.73,3.93,51
    ChatGPT said:

    Thanks for the detailed data, Deviprasad! Based on your earlier weighting logic (70% weight on 3Y CAGR and 30% on 1-Day Growth), let’s compute the ranking of value-oriented mutual funds.

    🧮 Scoring Formula:

    Score = (3Y CAGR × 0.7) + (1D Growth × 0.3)

    We'll rank based on this composite score.

    📊 Computed Results

    Fund Name3Y CAGR (%)1D Growth (%)Score (Weighted)Rank
    JM Value Fund Direct Plan Growth28.984.2423.91🥇 1
    Quant Value Fund Direct Growth28.314.5323.80🥈 2
    HSBC Value Fund Direct Growth27.444.0422.883
    Nippon India Value Fund Direct Growth26.614.0922.304
    Invesco India Contra Fund Direct Growth25.393.7621.415
    Canara Robeco Value Fund Direct Growth25.003.6321.106
    ITI Value Fund Direct Growth24.334.4621.187
    Tata Equity PE Fund Direct Growth24.333.6720.998
    Aditya Birla Sun Life Pure Value Direct Fund Growth24.244.0721.179
    Union Value Fund Direct Growth22.713.5919.8610
    Groww Value Fund Direct Growth20.733.9318.6111

    📝 Observations

    • Top Performers:

      • JM Value Fund and Quant Value Fund stand out with highest CAGR and strong 1-day growth.

      • HSBC and Nippon also perform very well.

    • Expense Ratios:

      • Quant and ITI have relatively lower AUMs and expense ratios.

      • Nippon and Aditya Birla funds have higher expense ratios (~1.10%).

    ✅ Suggested Next Steps:

    If you’re choosing based on performance and short-term momentum:

    • Primary Pick: 🥇 JM Value Fund

    • Diversification Option: 🥈 Quant Value Fund or 🥉 HSBC Value Fund

    You could even split:

    • 60% into JM

    • 40% into Quant or HSBC

    Let me know if you'd like this in Excel or CSV format, or want to add risk-adjusted returns or portfolio holdings analysis for deeper insights.

  • ---------------

  • similary above find large and mid cap funds; Motilal Oswal Large and Midcap Fund Direct Growth,30.98,4.18,9000,.66 Invesco India Large & Mid Cap Fund Direct Growth,28.30,4.34,6000,.70 UTI Large & Mid Cap Fund Direct Growth,25.78,3.67,4300,.93 Nippon India Vision Direct Growth,25.11,3.72,5700,1.35 HSBC Large and Mid Cap Fund Direct Growth,24.52,3.81,3900,.84 Edelweiss Large & Mid Cap Direct Plan Growth,23,3.75,3700,.48 Edelweiss NIFTY Large Mid Cap 250 Index Fund Direct Growth,22.13,3.81,260,.25 Bank of India Large & Mid Cap Equity Fund Direct Growth ,21.43,4.02,376,1.27 Canara Robeco Emerging Equities Fund Direct Growth,21.27,4.06,24000,.57 LIC MF Large & Mid Cap Fund Direct Growth 21,3.8,2800,.61
    ChatGPT said:

    Here is the ranking of Large & Mid Cap Funds based on your logic:

    🧮 Scoring Logic

    Score = (3Y CAGR × 0.7) + (1D Growth × 0.3)
    (70% weight on 3Y CAGR, 30% weight on 1D Growth)

    📊 Computed Scores and Ranking

    Fund Name3Y CAGR (%)1D Growth (%)Score (Weighted)Rank
    Motilal Oswal Large and Midcap Fund Direct Growth30.984.1824.92🥇 1
    Invesco India Large & Mid Cap Fund Direct Growth28.304.3423.30🥈 2
    UTI Large & Mid Cap Fund Direct Growth25.783.6721.773
    Nippon India Vision Direct Growth25.113.7221.454
    HSBC Large and Mid Cap Fund Direct Growth24.523.8121.105
    Edelweiss Large & Mid Cap Direct Plan Growth23.003.7520.336
    Edelweiss NIFTY Large Mid Cap 250 Index Fund Direct Growth22.133.8119.727
    Bank of India Large & Mid Cap Equity Fund Direct Growth21.434.0219.478
    Canara Robeco Emerging Equities Fund Direct Growth21.274.0619.449
    LIC MF Large & Mid Cap Fund Direct Growth21.003.8019.1410

    ✅ Top Recommendations

    • 🥇 Motilal Oswal Large and Midcap Fund: Highest return and momentum — great overall pick.

    • 🥈 Invesco India Large & Mid Cap Fund: Excellent blend of long-term performance and strong daily momentum.

    • 3️⃣ UTI or Nippon: Consistently solid performers if you seek diversified exposure.

    📌 Notes

    • Expense Ratio: Edelweiss Index Fund has lowest cost (0.25%) but lower score.

    • Canara Robeco has a very high AUM (24,000 Cr), showing strong investor trust.

    • Invesco and Motilal are good for a balance of high growth and mid expense.

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pss book : శ్రీకృష్ణుడు దేవుడా, భగవంతుడా completed , second review needed. 26th April 2024

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శ్రీకృష్ణుడు దేవుడా, భగవంతుడా. నేటి ప్రజలందరికి తెలిసిన ప్రకారము దేవుడనినా, భగవంతుడనినా రెండు ఒకటే అను భావముతో ఉన్నారు. చాలామంది స్వామీజీలు కూడ తమ తమ ఉపన్యాసములలో సృష్టికర్త అయిన పరమాత్మను గురించి తెలుపునపుడు ఒకప్పుడు దేవుడని, మరొకప్పుడు భగవంతుడని పలుకుచు చెప్పుచుందురు. దీనినిబట్టి ఇటు ప్రజల దృష్టిలోను, అటు బోధకులైన స్వామీజీల దృష్టిలోను దేవునికీ, భగవంతునికీ ఏమీ తేడా లేదనీ, అందువలన వారు ఇలా ఆ పదములను వాడుచున్నారని తెలియుచున్నది. ఆధ్యాత్మిక రంగములో ఇది చాలా ముఖ్యమైన విషయం అందరికి అవసరమైన విషయము. కావున దేవుడు మరియు భగవంతుడు అను పదములకు శాస్త్రీయత ఉందా? లేదా? అని యోచించవలసిన అవసరమున్నది. అంతేకాక ఒక పనిని చేయుటకు ఒక కారణముంటుంది. అలాగే ఒక పదమును పలుకుటకు కూడ కారణముంటుంది. అటువంటి కారణమునే హేతువు అంటాము. ఇక్కడ 'దేవుడు అనుటకు, భగవంతుడు అనుటకు హేతువును చూపకపోతే అది హేతుబద్దము కాదు. హేతువాదులు ఒప్పుకోరు. నాస్తికవాదులు ఒప్పుకోక పోయినా ఫరవాలేదు. కానీ హేతువాదులు తప్పక ఒప్పుకోవలసియున్నది. ఎక్కడైతే శాస్త్రీయత ఉంటుందో అక్కడ హేతువాదమునకు జవాబు ఉన్నట్లే. ఎక్కడైతే శాస్త్రీయత లేదో అక్కడ హేతువాదమున...
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