Sachin Kabra

ex-Director HDFC Private Wealth, Business Head Motilal Oswal AMC

Mumbai LinkedIn

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Questions answered by Sachin Kabra

Harpreet from Ludhiana

Should I switch out of a good mutual fund if it underperforms for 1–2 years?

If a fund that used to perform well starts lagging its benchmark or other funds for a year or two, how do I know whether I should stay or switch to a better-performing fund?

Rahul K from Bangalore

How much does missing just a few good market days actually matter?

People often say “stay invested because the best days come unexpectedly.” Does missing a handful of strong market days really make such a large difference?

Geeta from Chennai

Should I stop my SIP when the market is falling and restart once things look better?

During a correction, it feels safer to pause my SIP and restart once markets stabilise. Is that a sensible way to protect my portfolio?

Kirti R from Bangalore

Why is my mutual fund return lower than the return shown in the fund presentation?

A fund may show 15%–20% CAGR over a long period, but my actual portfolio return can be much lower. Why can the same fund produce such different outcomes for different investors?

Niti from Mumbai

How should I compare PMS returns with mutual fund returns after fees and taxes?

PMS brochures often show attractive gross or net returns. Are those numbers directly comparable with mutual fund returns, or do fees, churn and taxes change the actual outcome?

Rajan from Pune

What is the most important question to ask a PMS manager before investing?

Most PMS presentations focus on historical returns and the manager’s successes. What should I ask to understand the downside before I invest?

Subrata from Kolkata

What percentage of my portfolio should I put into PMS?

If PMS is meant to be a satellite and not the core of the portfolio, how much allocation is reasonable without letting one strategy dominate my wealth?

Uday from Noida

I have ₹50 lakh. Does that mean I should invest in a PMS?

₹50 lakh is the minimum investment required for PMS in India. If I have that amount available, does that automatically make PMS suitable for me?

Amar from Mumbai

How do I know whether a PMS is actually adding value to my existing mutual fund portfolio?

I already own several good mutual funds across large-cap, mid-cap and different styles. If I add a PMS, how do I know whether it is genuinely diversifying my portfolio or just addi…

Anoop Dixit from Pune

Why can a PMS outperform strongly for a few years and then suddenly underperform?

I often see PMS products marketed using strong 3-year or 5-year returns. How do I know whether that outperformance came from manager skill or simply from the investment style being…

Harsh Shah from Bangalore

Is PMS actually better than mutual funds once my portfolio becomes large?

My portfolio has grown significantly and my relationship manager says I should now move to PMS. Is PMS really the natural next step once someone becomes a “serious investor”?

Satish from Vizag

What is the simplest way for an Indian investor to start investing internationally?

There are now too many choices — foreign brokerages, US ETFs, UCITS ETFs, GIFT City funds and active global funds. How should a beginner think about the decision?

Arjun from Kochi

Should I invest in global themes like AI, semiconductors, China or defence?

Every few years a different global theme seems to outperform. Is it worth adding these themes early, or should they form part of my core international portfolio?

Sunil Kr from Bangalore

Should I buy individual US stocks like Apple, Nvidia and Microsoft instead of an index?

The big US companies are easy to understand and have done very well. Why not just buy a few famous names instead of holding a broad index or global fund?

Kashi from Chennai

Are GIFT City global funds better than buying foreign ETFs directly?

GIFT City funds look easier because I don’t have to manage a foreign brokerage account. But they are often more expensive than ETFs. Is the extra cost justified?

Bharat from Surat

Should Indians buy US-listed ETFs or Ireland-domiciled UCITS ETFs?

US ETFs are often extremely cheap, while Ireland-domiciled UCITS ETFs can cost a little more. For an Indian investor, when does the structure matter more than the expense ratio?

Ridhi from Kolkata

Should my international portfolio be S&P 500 or Nasdaq 100?

I want to start investing in the US, but I’m confused between the S&P 500 and Nasdaq 100. Are they interchangeable, or do they play very different roles?

Ratheeh from Mumabi

As an Indian investor, do I really need international exposure if I’m already bullish on India?

If I believe India will continue to grow strongly over the next 10–20 years, is there still a reason to invest globally, or am I just diluting a good India portfolio?

Chirag from Hyderabad

Which type of SIF should I choose: hybrid, equity long-short or Ex-Top 100?

Different SIF categories seem to have completely different risk and return profiles. How should I think about which category fits my portfolio?

Chandra from Bangalore

What should I actually check before choosing an SIF?

There are now multiple SIF categories and strategies. Instead of looking at recent performance, what questions should I ask before selecting one?

Abhijit from Chennai

I have ₹10 lakh available. Does that mean I should consider investing in an SIF?

The regulatory minimum for SIFs is ₹10 lakh. If I have that amount available, what should I check before deciding whether an SIF is suitable for me?

Rakesh from Gurugram

Does a long-short SIF protect me if the market crashes?

Since long-short SIFs can short stocks, does that mean they have built-in downside protection and cannot lose as much as a normal equity fund?

Manpreet from Chandigarh

If two SIFs are in the same category, why can their returns be completely different?

I saw one SIF deliver more than 15% while another lost more than 5% over roughly the same period. If both are called SIFs, why is there such a large difference?

Tushar from Bangalore

Are SIFs actually better than mutual funds, or are they just a new product category?

SIFs seem to offer more flexibility, long-short strategies and more complex portfolio construction. Does that automatically make them better than regular mutual funds?

Mohita from Varanashi

If equity has the highest long-term return, why should I hold debt or gold at all?

If I have a 15–20 year investment horizon, wouldn’t I be better off putting everything into equity? What is the point of holding lower-return assets like debt or gold?