Sachin Kabra

Co-founder Foliyo (SEBI RIA No: INA000023454), ex-Director HDFC Private Wealth, Business Head Motilal Oswal AMC

Mumbai SEBI Reg. INA000023454 LinkedIn

More than 15+ years of experience managing money for HNI families.

Advised UHNI & HNI clients on comprehensive wealth strategies across asset classes. Strengthened relationships with entrepreneurs, CXOs, and family offices while delivering customized portfolio solutions.

Led pan-India distribution strategy for PMS, AIF & MF products. Onboarded leading private banks, national distributors, and wealth platforms, expanding Motilal Oswal’s presence across affluent and HNI segments.

Questions answered by Sachin Kabra

Mohit from Coimbatore

A client's portfolio just crossed Rs 1.5Cr and their RM is pushing PMS and AIFs: is it time to move beyond mutual funds?

A 45yr old doctor in Hyderabad, their investments have grown to about Rs 1.5Cr, almost entirely in mutual funds. Their bank's RM says that at this size they should move to PMS and…

Adesh from Surat

Have Rs 10L fresh capital to deploy during this market correction. Which sectors are safe during global tensions?

I recently received a Rs 10L bonus and want to invest it in the market. The market has corrected due to global supply chain issues and war fears. I want to deploy this over the…

Vineet from Kochi

Market crashing due to global war news. Should I pause my Rs 50k SIPs and move to FD for 1yr?

I have a Rs 40L portfolio built over the last 5yr, mostly in large and flexi cap funds. With the recent geopolitical tensions and daily war news, the market is bleeding…

Palani from Pune

How does crude oil hitting $100 actually impact my 60:40 portfolio and inflation expectations?

I am 35 and running a standard 60:40 equity debt portfolio with about Rs 1.2Cr invested. I keep reading that crude oil prices jumping due to global conflicts is terrible for the…

Savan from Hyderabad

Rs 50L in debt funds: Should I lock in long-term yields now or stick to short duration given the global tensions?

I have about Rs 50L allocated to the debt side of my portfolio. With all the news about geopolitical conflicts and crude oil spikes, I am confused about where to park this. Some…

Vedavathi from Kochi

Accumulating gold for daughter's wedding in 15yr: Should I buy physical coins or Gold ETFs?

I want to start accumulating gold for my daughter's wedding 15yr down the line. I plan to put in about Rs 25k every month. Traditionally, my family buys physical coins or bars…

Kamala from Bengaluru

Is gold still a necessary hedge in 2026? Planning to add it to my Rs 1.5Cr equity/debt portfolio.

38yr old here. I have a Rs 1.5Cr portfolio split 70:30 between equity and debt. I've never held gold as an investment, only some family jewelry. With gold prices up 70% recently…

Sindhu from Gurugram

Looking at an active midcap fund with a 0.43 turnover ratio. Is this too much churn and risk?

I am reviewing a popular active midcap fund for a Rs 25k monthly SIP. I noticed the fund has a Portfolio Turnover Ratio (PTR) of 0.43 which seems quite high. I always thought…

Manu from Rajkot

My portfolio is 100% large cap index funds. What exactly am I missing out on by avoiding midcaps?

I am 40yr old and have built a Rs 60L portfolio purely in Nifty 50 index funds. I prefer the stability of large companies for my 15yr retirement goal. However I keep hearing about…

Lakshman from Pune

Have Rs 15L lump sum. Are midcap funds too expensive to enter right now?

I am 34yr old and just received an annual bonus of about Rs 15L. I want to allocate this to my equity portfolio for a 10yr horizon. Midcap funds have given crazy returns over the…

Adesh from Mumbai

My small and mid-cap funds are down 15%. Should I book losses and move my Rs 12L portfolio to large caps?

I am 34yr old and started investing heavily in small and mid-cap funds about 2yr ago. My portfolio is worth around Rs 12L but is currently bleeding due to market volatility. I am…

Abhi from Mumbai

Investing Rs 50k a month: Should I split it across large, mid, and small cap funds or just buy one Multicap fund?

I am 30yr old and plan to invest Rs 50k every month for the next 15yr. I want exposure to the whole market to build my core retirement corpus. Is it better to manually allocate my…

Devraj from Noida

Rs 20L in long-duration debt funds: Should I exit now that RBI has paused rate cuts?

I have about Rs 20L invested in long-duration debt funds. I originally entered hoping to make some capital gains from falling interest rates. Now I am reading that the RBI has…

Tanish from Thiruvananthapuram

Defense and power got a huge budget boost. Should I shift my Rs 20L portfolio to sector funds?

The 2026 Union Budget showed a massive 15% to 20% growth allocation for defense and power infrastructure. I currently have Rs 20L in standard index and large-cap funds. With…

Sumathi from Jaipur

Should I buy machinery and textile stocks for the new US-India trade deal?

I keep hearing about the US-India trade deal on the news. I have about Rs 15L invested across flexi-cap funds, but I am wondering if I should move some money into specific sectors…

Melvin from Jaipur

Will a passive large-cap index fund miss out on the next big AI or tech boom over a 10yr horizon?

I am planning to hold a passive sector leaders index fund for the next 10yr to 15yr. My main worry is that passive low-churn indices just hold legacy companies. Will I completely…

Dushyant from Surat

Overweight on banks in Nifty 50: Is a sector leader index a safer core holding for a 5yr horizon?

I currently run a Rs 25k SIP in a standard Nifty 50 fund. But I noticed that financial services make up a huge chunk of it. I am looking at a sector leaders index fund that caps…

Nirav from Delhi

How do I pick the right arbitrage fund? Does AUM size matter for returns?

I am convinced about using arbitrage funds for my short-term cash needs. I plan to park some money for about 6 months. But looking at the options they all seem to do the exact…

Teerth from Coimbatore

Are arbitrage funds actually risk-free? Planning to move Rs 50L from my savings account.

I have got around Rs 50L parked in my bank savings account earning a measly 3%. I want better returns but I absolutely cannot risk losing the principal amount. Everyone online…

Suhas from Kolkata

Parking Rs 10L for 1yr: Should I use an FD or an Arbitrage Fund if I am in the 30% tax bracket?

I have about Rs 10L sitting in my savings account right now. I need this money in about 1yr for a home downpayment. My CA suggested a standard FD but I am in the highest 30% tax…

Vipin from Hyderabad

SEBI says 99% of options traders lose money. Why do some people still suggest options for a long-term equity portfolio?

I keep reading that F&O is a massive wealth destroyer. SEBI recently released a study showing 99% of traders lose money or make less than FD returns. Yet I see advanced investors…

Jose from Ahmedabad

Sitting on Rs 50L cash waiting for a market correction. How can I earn returns while waiting to buy the dip?

I am 35yr old and I have Rs 50L in my brokerage account doing absolutely nothing. I want to deploy this into large-cap stocks but I feel the market is overvalued right now. I am…

Sajan from Pune

With FIIs constantly selling and the Warren Buffett indicator at 144, is the Indian market heading for a major crash?

I keep reading that FIIs are dumping Indian stocks and our market cap to GDP ratio is at 144. I have about Rs 50L invested mostly in equity mutual funds. Should I move a large…

Nandini from Kochi

Holding Zomato and Lenskart at massive valuations: Should I book profits or hold for the next 5yr?

I have a decent chunk of my portfolio in high-growth stocks like Zomato and some unlisted exposure to Lenskart. Zomato has been on a tear but the PE is insane (over 700). I…

Bipin from Mumbai

Holding high-growth stocks: How to handle violent 30% drawdowns without panicking?

28yr old investing aggressively in high-growth tech stocks. I have seen great returns but the volatility is destroying my peace of mind. My portfolio recently saw a 38% drop in a…