How to Build a ₹5 Crore Mutual Fund Portfolio | ft. Kirtan Shah X Deven U Pandey

How to Build a ₹5 Crore Mutual Fund Portfolio | ft. Kirtan Shah X Deven U Pandey You have a ₹5 crore goal, but which mutual funds should you choose? Kirtan Shah (Founder, Truvanta Wealth, former Director at a BSE-listed NBFC) explains how to build the right portfolio with just 3–5 funds. In this episode: SIP math for reaching ₹5 crore in 20 years, step-up SIPs, and how to screen funds using fund manager tenure, rolling returns, and the Sortino ratio plus the trap of popular funds. If you're confused about selecting mutual funds, or if your portfolio has 10–20 funds, this episode is for you. In this episode, we cover: How much SIP is required to reach ₹5 crore in 20 years Step-up SIP: start small and increase it by 10% every year Which type of investor are you: conservative, moderate, or aggressive? How many mutual funds are enough, and why having 20 funds can be a problem "Right stocks ≠ right portfolio": AMC, market-cap, and style diversification Value style in large caps, growth style in mid/small caps Fund manager tenure, rolling returns, and Sortino ratio The trap of popular funds and the cycle of fund performance What is an ETF and how is it different from a mutual fund 00:00 – Intro 01:38 – Recap: The ₹5 Crore Roadmap 02:09 – Risk Appetite & Time Horizon 02:53 – 3 Types of Investors: Conservative, Moderate, Aggressive 04:23 – The SIP Math: ₹54,000/Month to ₹5 Crore 05:04 – Step-Up SIP: Start Small, Increase 10% Every Year 05:50 – How Many Mutual Funds Do You Actually Need? 07:49 – Right Stocks ≠ Right Portfolio 09:01 – The 3 Levels of Diversification 09:07 – AMC-Level Diversification 09:24 – Market Cap Diversification (Large, Mid, Small) 12:38 – Value Investing in Large Cap 14:28 – Growth Investing in Mid & Small Cap 15:52 – How to Pick a Specific Scheme: Fund Manager Tenure 16:55 – Rolling Returns Explained 19:52 – Sortino Ratio Explained 21:52 – The Complete Framework, Recapped 22:00 – Are Popular Funds Always Good? 23:38 – Why Fund Performance Is Cyclical 26:14 – ETFs: My Favorite Chapter 27:49 – What Is an ETF, Really? 28:51 – ETF vs Traditional Mutual Fund 29:00 – Types of ETFs You Can Actually Buy 👉 Watch Part 1: [   • Should You Buy a House Before 35? | ft. Ki...  ] Connect With Deven U Pandey: Instagram https://www.instagram.com/growithdeve... Linkedin   / deven-u-pandey-362801182   Twitter https://x.com/Deven_u_pandey Subscribe for conversations around money, investing, personal finance, career growth, mindset, manifestation and wealth creation. --------------------------------------------------------------------------- Upskill yourself and grow in your career! Best skill platform that will help you earn and grow in your career Name: Ira skills Website: www.iraskills.ai LinkedIn: https://www.linkedin.com/company/crea... Our vision is to enable 10 lakh Bharat students to get high-paying jobs. We aim to give the besttraining from the best expert mentors and providing all necessary support so you can complete your courses and become industry-ready. Backed by a team of seasoned trainers with extensive industry expertise ranging from 6 to 19 years, we boast a rich background of collaborating with top multinational corporations and completing prestigious projects. About us: Welcome to the channel, this channel focuses on real-life learning lessons from business, great personalities, life, success, failures, the universe, etc that you can watch and implement right after the video. We believe if you got strong focus and clarity, then you can move in the right direction that you want in your life. So with the help of this channel and real-life case studies done by Deven U Pandey and his learning from his fast-growing million-dollar startup will be shared on this channel where you can learn what exactly should be done to achieve success. जय हिंद। Disclaimer: This video is for educational purposes only and is not financial advice. Mutual fund investments are subject to market risks. Returns are not guaranteed. Consult a SEBI-registered advisor before investing. #MutualFunds #SIPInvesting #KirtanShah #PortfolioBuilding #DevenUPandey #GrowWithDeven