Want to invest Rs 1 lakh every month in FY26? Here’s a 4-fund strategy that works
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As the new financial year FY26 begins, many investors are revisiting their investment plans to align with long-term wealth creation goals. One such investor, Yash Shrimali from Mumbai, appeared on the ETNow’s ‘The Money Show’ with a common yet important query: how to effectively invest Rs 1 lakh every month in mutual funds while keeping the portfolio stable and manageable. Yash mentioned that he is currently investing Rs 10,000 each across 10 different mutual funds, with a long-term investment horizon of 15 years, and plans to step up his SIP by 5% annually. The Problem: Too Many Funds, Not Enough Focus Financial expert Shweta Jain, Founder of Investography, flagged this approach as a classic case of over-diversification. Having too many mutual funds—particularly those with thematic or sectoral exposure—can often lead to portfolio overlap, making it harder to monitor and diluting potential returns. Live Events “There is a problem of plent...