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Your SIP, every month
Every month on your SIP date
₹10,000
Portfolio, October 2026
Real funds. Real reasons.
Three portfolios built from six Direct mutual funds. For every fund we tell you why it’s in, what it has done, and what would make us change our mind.
Where markets stand today
Two tough yearsIndian equities have been volatile for two years. Many of our chosen funds show a negative or flat last 12 months.
~7.5%10-year government bond yield. High-quality debt now pays well enough to earn a real place in a portfolio.
Mid and small capsReached new highs last month even as large caps stayed under pressure. Headline Nifty doesn’t tell the whole story.
65%in equity
Balanced
Can fall in a bad year
Hold for at least
Funds
The funds, and our stance
Tap a fund to read why it’s in and what we’re watching. Past performance is of the scheme’s Direct Growth plan, not of SIPwise.ai, and may not be repeated.
How your money moves.
Four pictures. Everything that happens to your SIP, all year. Switch portfolios above and these update.
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Your year, April to March
Annual resetQuarterly checkTax reviewSIP goes in
Every day: market tracker and fund red-flag checks
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How the April reset works
TargetWhat we set
After a yearWinners grow bigger
After AprilBack to target
1New SIP money goes to what’s light2Sell only if still off target3Held over a year, so lower tax
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When markets fall
−12.0%Nifty 50 vs its 1-year high
−10%Your SIP buys more units
−15%Falls like this recover. Don’t pause
−20%Worst time to stop. Optional top-up
We never ask you to stop your SIP.
What fund houses are saying.
Chief investment officers of five fund houses spoke at a Business Standard summit on 28 October 2026. Summarised in our words.
Think in asset allocation, not one asset class. Debt has been overlooked in the rush to equities, and long-term money is made by going against the crowd’s flows.
Indian bonds look attractive at a 10-year yield near 7.5%. Don’t chase whatever market or metal has run up the most in recent years.
Technology, consumer businesses, private banks and insurers offer opportunity after weak runs. More cautious on capital markets, defence and capital goods, where expectations look priced in.
Build a mix across large, mid and small companies and between growth and value. Decisions made only on the headline index lead to wrong outcomes.
Our take
We agree with the common thread: don’t abandon a plan because the last year was flat, don’t chase last year’s winners, and give debt a real role. That’s why Balanced now carries 25% in short-term debt, gold stays capped at a fixed slice, and our bank-heavy flexi cap and mid cap holdings are kept, not switched.
Research disclosures. Prepared by NEXTTECH SECURITIES, SEBI Research Analyst INH000021067. The research analyst and NEXTTECH SECURITIES do / do not hold units in the schemes named on this page as of the research date. We receive no compensation from any asset management company. Performance figures are taken from public scheme data on the dates shown and should be checked against the latest AMFI NAV and scheme factsheet. Model portfolios are the same for all subscribers and are not personalised advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Start with one. Free.
Pick a portfolio, set up the SIPs in your own app, and we’ll message you once a month.