Whalesbook
Ye Kamaal Kaise Hua? (The Strategy Shift)
Toh hua yun ki yeh bhai sahab pehle toh bade risky stock picks try kar rahe the, jisme Yes Bank ka bhi ek investment tha. Par phir 2020 ke aas paas unhone stock picking band kar diya aur focus badha diya mutual funds aur ETFs par. Kuch purane stocks bech kar ₹40,000 se ₹45,000 ka profit bhi banaya tha. Jaise jaise unki salary ₹60,000 se badh kar ₹2 lakh monthly ho gayi, unhone apni SIP bhi ₹1.5 lakh tak pahuncha di. Yeh consistently invest karne ka asar hai, jisse 7 saal mein unka portfolio ₹1 Crore tak pahunch gaya, date thi 27 April 2026 ki. Compounding ka power hai yeh!
Kaunse Funds Ne Diya Dum? (Fund Performance)
Ab sabse important sawal - kaunse funds ne itna achha return diya? Axis Small Cap Fund ne pichhle 5 saal mein 20.05% ka annualized return diya hai. Haan, short term mein thoda benchmark se piche reh gaya tha. Par Parag Parikh Flexi Cap Fund ne toh pichhle 10 saal se zabardast performance di hai. March 2026 tak iska Beta 0.55 tha aur Sharpe Ratio 6.62%, matlab risk ke hisaab se returns achhe the. Flexi-cap category mein toh March 2026 mein ₹10,000 Crore se zyada ka naya paisa aaya. SBI Banking & Financial Services Fund ne bhi short term mein Nifty 500 TRI ko haraaya, bas iska risk rating high hai kyuki yeh sirf ek sector mein invest karta hai. Bachon ko invest karna sikhane wale Pranjal Kamra aur Rachana Ranade jaise finfluencers ne bhi is investor ki approach ko shape karne mein help ki. India mein lagbhag 82% retail investors finfluencer ki advice follow karte hain, par registered wale sirf 2% hain.
Risky Bhi Hai Yeh Raasta! (Risks and Warnings)
Par bhai, yeh seedha seedha path nahi hai. Direct stock picking ka risky experience, jaise Yes Bank mein hua, woh ek warning hai ki bina research ke invest karna khatarnak ho sakta hai. Jab 82% log finfluencers ko follow kar rahe hain aur usme se zyada tar registered nahi hain, toh galat advice ka risk rehta hai. Small-cap funds bhale hi high returns dete hain, par market girne par 40-60% tak bhi gir sakte hain, iske liye strong heart chahiye. SBI Banking fund toh ek hi sector par focused hai, toh us sector mein kuch gadbad hui toh seedha nuksan. Aur Axis Small Cap jaise bade funds jinme ₹23,919 Cr aur Nippon India Small Cap mein ₹61,000 Cr AUM hai, unke liye choti companies mein jaldi se invest karna mushkil ho sakta hai.
Future Outlook for Fund Categories
Flexi-cap funds aage bhi popular rahenge kyunki woh market ke hisaab se badal sakte hain, aur India ki economy bhi theek dikh rahi hai. Par global tensions, inflation, aur market sentiment dikat de sakte hain. Small-cap funds ka future India ki growth par depend karega aur companies ko inflation aur global uncertainties ko manage karna hoga. Is segment mein invest karne walo ko high volatility ke liye taiyar rehna padega.