Money IQ Academy 📊 ETF & MUTUAL FUNDS Latest Updates

✨Top 12 Mutual Funds Across Key Categories 🔷 Flexi Cap 🔸 Parag Parikh Flexi Cap Fund 🔸 HDFC Flexi Cap Fund 🔸 Helios Flexi Cap Fund 🔷 Small Cap 🔸 Nippon India Small Cap 🔸 HDFC Small Cap 🔸 Quant Small Cap Fund 🔷 Mid Cap 🔸 HDFC Mid Cap Fund 🔸 Invesco India Mid Cap Fund 🔸 Motilal Oswal Midcap Fund 🔷 Large Cap 🔸 ICICI Prudential Large Cap 🔸 Nippon India Large Cap 🔸 Mirae Asset Large Cap Fund Disclaimer: For educational purposes only.

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

✨Top 12 Mutual Funds Across Key Categories 🔷 Flexi Cap 🔸 Parag Parikh Flexi Cap Fund 🔸 HDFC Flexi Cap Fund 🔸 Helios Flexi Cap Fund 🔷 Small Cap 🔸 Nippon India Small Cap 🔸 HDFC Small Cap 🔸 Quant Small Cap Fund 🔷 Mid Cap 🔸 HDFC Mid Cap Fund 🔸 Invesco India Mid Cap Fund 🔸 Motilal Oswal Midcap Fund 🔷 Large Cap 🔸 ICICI Prudential Large Cap 🔸 Nippon India Large Cap 🔸 Mirae Asset Large Cap Fund Disclaimer: For educational purposes only.

Your SIP is Making Fund Managers Rich, Not You. (This ₹10,000 SIP calculation will tell you why.) You invest in a mutual fund: Monthly SIP → ₹10,000 Tenure → 20 years Returns → 12% Corpus → ~₹1 crore!! But, WAIT. You missed the bigger picture: “Inflation”. Retail inflation is 6% in India. But if you live in a metro like Delhi or have kids, You’d know inflation is well above 10% across healthcare, education, and rent. So, your ₹1 Cr after 20 years will be just ₹31 L. (even if we go by 6% inflation) Is there a solution? Yes, there is. Upgrade your SIP → ‘Step-up SIP’. Increase your SIP by 15% every year. 1st year - ₹10,000. 2nd year - ₹11,500. 3rd year - ₹13,225 and so on. 20 years later, You’ll have a 3x corpus of ₹3 crores, which will be ~₹1 Cr in today’s value! Your inflation-adjusted return is the only number that matters. Everything else is a noise.

SIP portfolio with exact mutual fund names + Gold ETF + Silver ETF. Suitable for long-term wealth creation. 📌 Final Portfolio With Exact Fund Names (Model Portfolio) Choose your SIP amount (₹5k / ₹10k / ₹20k / ₹30k+) — the fund names remain same, only amounts change. Final Amounts (15 years @ 12% CAGR) Monthly SIPExpected Value-- ₹5,000₹25–27 lakh ₹10,000₹50–55 lakh ₹20,000₹1.0–1.1 crore ₹30,000₹1.5–1.7 crore ⭐ Equity Allocation (Growth) 1️⃣ Nifty 50 Index Fund (Large Cap – Core) HDFC Nifty 50 Index Fund OR UTI Nifty 50 Index Fund 2️⃣ Nifty Next 50 Index Fund (High Growth) Nippon India Nifty Next 50 Index Fund OR ICICI Prudential Nifty Next 50 Index Fund 3️⃣ Flexi-Cap Fund (Diversification) Parag Parikh Flexi Cap Fund (PPFAS) OR Kotak Flexicap Fund 4️⃣ Mid-Cap Fund (Balanced Growth) Kotak Emerging Equity Fund OR Motilal Oswal Midcap Fund 5️⃣ Small-Cap Fund (High Growth) SBI Small Cap Fund OR Quant Small Cap Fund ⭐ Gold & Silver Allocation (Hedge + Safety) 6️⃣ Gold ETF Nippon India Gold ETF OR HDFC Gold ETF 7️⃣ Silver ETF Nippon India Silver ETF OR ICICI Prudential Silver ETF ⭐ Debt / Liquid Allocation (Safety + Rebalancing) HDFC Liquid Fund OR ICICI Prudential Liquid Fund 💰 Portfolio Allocation (Choose Your SIP Amount) 👉 1) SIP ₹5,000 Nifty 50 Index – ₹1,750 Nifty Next 50 – ₹1,000 Flexi-cap – ₹1,000 Gold ETF – ₹500 Silver ETF – ₹250 Liquid Fund – ₹500 👉 2) SIP ₹10,000 Nifty 50 Index – ₹3,000 Nifty Next 50 – ₹2,000 Flexi-cap – ₹2,000 Mid-cap – ₹1,000 Gold ETF – ₹1,000 Silver ETF – ₹500 Liquid Fund – ₹500 👉 3) SIP ₹20,000 Nifty 50 Index – ₹6,000 Nifty Next 50 – ₹4,000 Flexi-cap – ₹3,000 Mid-cap – ₹2,000 Small-cap – ₹2,000 Gold ETF – ₹2,000 Silver ETF – ₹1,000 Liquid Fund – ₹1,000 👉 4) SIP ₹30,000+ Nifty 50 Index – ₹7,500 Nifty Next 50 – ₹6,000 Flexi-cap – ₹6,000 Mid-cap – ₹4,500 Small-cap – ₹3,000 Gold ETF – ₹2,250 Silver ETF – ₹2,250 Liquid Fund – ₹1,500 🏆 Perfect for building ₹1 Crore+ in 10–20 years

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

Financial Planning for Young Couple Wealth Plan (Age 30–28) Income: ₹2.8L (combined) Expenses: ₹90K Goals: Wealth + 1st Home + Child Planning in 3 yrs Plan: ✅ SIP ₹80K PM (Large/Mid/Momentum mix) ✅ Emergency Fund: ₹6L (Liquid + Sweep FD) ✅ Term Insurance: ₹1.5 Cr each ✅ Health: ₹25L family floater ✅ Rent → Own plan: ₹60K PM in Short-Term Debt MF ✅ Gold ₹10K PM ( future) Outcome: ₹2.3 Cr in 10 years with moderate risk.

Flexi Cap Funds are for life— Why DSP CEO Kalpen Parekh is 100% right 💡 1️⃣ DSP Mutual Fund’s CEO Kalpen Parekh recently said 👇 “Flexi Cap funds are for life. Add more during market corrections.” Simple line, but powerful meaning 💭 2️⃣ Flexi Cap Funds are like the all-rounders of mutual funds 🏏 They invest in: • Large Cap (stable) • Mid Cap (growth) • Small Cap (high potential) So your portfolio automatically balances between safety and opportunity 📈 3️⃣ Why are they “for life”? Because markets always move in cycles. When one segment falls, the other performs. That’s why Flexi Cap funds adapt — just like you should. 🔄 4️⃣ And when the market falls? 👉 Don’t panic. 👉 Add more. That’s what Kalpen Parekh meant — Use market dips as a chance to buy more units at cheaper prices. 💸 5️⃣ Think of it like shopping — When prices go down, you buy more, right? 🛍️ The same logic applies to your SIPs. Corrections are discount seasons for long-term investors. 🧠

🏆 10 Mid Cap Funds with the highest 10 Year SIP Returns 🥇 Motilal Oswal Mid Cap Fund 🥈 Invesco India Mid Cap Fund 🥉 Edelweiss Mid Cap Fund 🏅 Nippon India Growth Mid Cap Fund 🏅 HDFC Mid Cap Fund 🏅 Quant Mid Cap Fund 🏅 Kotak Mid Cap Fund 🏅 PGIM India Mid Cap Fund 🏅 ICICI Pru Mid Cap Fund 🏅 Tata Mid Cap Fund Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️ 🚫 No Recommendation.

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

Do you have any SIP? Yes 👍 No ❤️

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

Holding any of these?🤔🔥 Yes 👍 No 👎 Most of them ❤️

Withdraw up to 1L every month tax free from your mutual funds. With SWP, you pay 12.5% tax on withdrawals once your gains cross 1.25L because it is treated as capital gains Instead, use IDCW because the withdrawals are added to your total income which is tax free till 12L as per the new regime So IDCW is better than SWP at least till you cross 12L of total income.

SIP amount required to achieve Rs 5 Crore by age 60: 1. At age 25: ₹ 7.8K 2. At age 30: ₹ 14.3K 3. At age 35: ₹ 26.6K 4. At age 40: ₹ 50.5K 5. At age 45: ₹ 100K 6. At age 50: ₹ 217K Every delay of 5 years doubles the amount of required SIP.