#ShareMarket #MutualFunds #SIP #StockMarket #ThematicFunds #SmallCap #InvestmentStrategy #MarketCorrection #WealthCreation #HarshadChetanwala
If Stock Market corrects for 5-15%, what should be a smart strategy to save your portflio? In this exclusive conversation, Harshad Chetanwala explains how investors should approach market volatility, thematic funds, smallcaps, SIP strategy, and portfolio allocation for 2026. Learn the difference between thematic and diversified funds, common investor mistakes, and the ideal core + satellite portfolio strategy for long-term wealth creation.
Share Market मे अगर आए बड़ा Correction, तो क्या करें? क्या Thematic और Smallcap Funds अब ज्यादा Risky हो चुके हैं? इस खास बातचीत में Harshad Chetanwala बता रहे हैं कि volatile market में wealth कैसे बनाई जाए, किन sectors में valuations ज्यादा हैं, SIP जारी रखें या pause करें, और 2026 के लिए ideal portfolio allocation क्या होना चाहिए। जानिए Thematic vs Diversified Funds, Core + Satellite Strategy और नए investors के लिए safe mutual fund portfolio।
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~HT.178~PR.474~ED.510~GR.472~VG.HM~
If Stock Market corrects for 5-15%, what should be a smart strategy to save your portflio? In this exclusive conversation, Harshad Chetanwala explains how investors should approach market volatility, thematic funds, smallcaps, SIP strategy, and portfolio allocation for 2026. Learn the difference between thematic and diversified funds, common investor mistakes, and the ideal core + satellite portfolio strategy for long-term wealth creation.
Share Market मे अगर आए बड़ा Correction, तो क्या करें? क्या Thematic और Smallcap Funds अब ज्यादा Risky हो चुके हैं? इस खास बातचीत में Harshad Chetanwala बता रहे हैं कि volatile market में wealth कैसे बनाई जाए, किन sectors में valuations ज्यादा हैं, SIP जारी रखें या pause करें, और 2026 के लिए ideal portfolio allocation क्या होना चाहिए। जानिए Thematic vs Diversified Funds, Core + Satellite Strategy और नए investors के लिए safe mutual fund portfolio।
Also Read
Stock Market Weekly Wrap: Nifty Ends Below 23,550 Pts, Sensex Tanks 1,000 Pts, Midcaps Steal The Show :: https://www.goodreturns.in/news/stock-market-weekly-close-nifty-sensex-bse-midcaps-vedanta-msci-rebalancing-why-market-is-down-1511723.html?ref=DMDesc
Health Stock On Fire! Park Medi World Share Price Jumps 7.65% On Acquisition Update | All You Need To Know :: https://www.goodreturns.in/news/health-stock-on-fire-park-medi-world-share-price-jumps-7-65-on-acquisition-update-all-you-need-t-1510755.html?ref=DMDesc
Bombay Trading School Brings AI and Automation to Trading Education :: https://www.goodreturns.in/updates/bombay-trading-school-brings-ai-and-automation-to-trading-education-1509883.html?ref=DMDesc
~HT.178~PR.474~ED.510~GR.472~VG.HM~
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NewsTranscript
00:03Hello and welcome, I am going to see you in Good Returns.
00:06I am with you, I am with you, I am with you.
00:08This week in the video, we are going to talk about mutual funds.
00:13The last time we have told you that if you are in the Bazaar
00:17of volatility, or panic mode, then mutual funds
00:23can be invested in your investment.
00:25This can be found that your portfolio balance can be found.
00:28If you are not a mutual fund investor, then you should consider your mutual funds.
00:32And in which way you should keep your sectors,
00:35and in which way you should keep your funds in your money.
00:38This is all we have discussed.
00:40But today, the viewers about it,
00:43who invest in mutual funds,
00:45but also invest in their portfolios.
00:48Because there are many questions.
00:50This is the case that the Bazaar is volatile,
00:53but this is not the case that our mutual fund portfolios
00:56will be found in the future.
00:58How do you balance balance?
01:00Do you have to do asset allocation?
01:02Do you have to do specific funds?
01:04Do you have to do more allocation in a specific fund?
01:06And most of the viewers are our viewers,
01:10who have invested in thematic funds.
01:13Now, if you have invested in thematic funds,
01:26we have invested in thematic funds.
01:30We have invested in thematic funds.
01:30Sir, welcome to Good Retards.
01:32Namaskar and Namaskar. Thank you.
01:34Sir, first of all,
01:35before we come to the mutual fund industry,
01:38we have to think about the Bazaar's mood,
01:39the mood, the mood, the mood, the mood, the mood,
01:41the mood, the mood, the mood, the mood, the mood,
01:41because the market is very volatile.
01:43There are many geopolitical news that affect the market.
01:46Now, if you are talking about the Bazaar,
01:49you are talking about the Bazaar,
01:49which is a big question of the Bazaar.
01:49What is the Bazaar's view?
01:52How is the long term perspective for the Bazaar?
01:54How is the long term perspective?
01:55How is the right time for the entry?
01:57How is the right time for the entry?
01:58How is the value of the value of the Bazaar?
02:16Yes.
02:18Okay, if you look at this particular conflict, this is an inflationary nature, and if you look at this, the
02:31inflation is increasing.
02:33If you look at crude prices across the world, if you look at the fuel prices across the world, almost
02:43120 countries have prices.
02:45India has just started to increase prices.
02:48It's not that if you look at it, the prices are increasing.
02:55Because at one point, the government will also control or sustain.
03:00So, this conflict is an inflationary nature.
03:04Inflation will increase.
03:06If inflation will increase, it will increase.
03:08Consumption will increase.
03:11So, the important point is that, you know, you and your question,
03:18which is long-term, long-term, long-term, long-term, long-term, long-term, long-term.
03:39It's not that everything is wrong.
03:41Yes.
03:42If you look at the stock market, if you look at the war, if you look at the war,
03:49if you look at the war, India was almost 85,000 cents per cent.
04:10It's not that it's a problem.
04:12It's not the issue of India.
04:13It's not the issue of India.
04:15It's a global issue.
04:16issue and this is not that India has a problem, this is a global issue, so this is a global
04:22issue to tackle the issue.
04:28Most importantly, when the conflict is not a conclusion,
04:36there is a new one from a crude supply perspective.
04:45It is not overnight.
04:48The idea is simple.
04:50In today's time, if you have invested in the equity and mutual funds,
04:58we have invested in time horizon,
05:00we have to look for 5-7 years.
05:06If you have a horizon, you don't need to panic.
05:11This situation is not panic.
05:13There is a very old saying that when everyone is scared,
05:17then you will be able to think about it.
05:20You will be able to think about it.
05:22So these things,
05:52you will be able to think about it.
05:54You will be able to think about it.
05:56This is a global issue.
05:57It is not a global issue.
05:58It is not a domestic issue.
05:59There are some things where I think that the government and the RBI
06:30have been able to think about it.
06:31You will be able to think about it.
06:32We are able to think about it.
06:33It is not a global issue.
06:35I know that there are many of us who have invested in 1-2 years.
06:41In September 2014, the last time the market peak was, and in June during 2015, the market
06:51started at a low level.
06:55Now, let's see that the last two years investment in the last two years, the return was negative
07:02is negative or lower single-digit returns, which has done the SIP route.
07:10So, these are all things, these are market cycles, some market cycles are fast.
07:16People keep this hope that what happens, people hope that the return of COVID-19
07:33Okay, so we don't have expectations, you know, every crisis doesn't happen.
07:40And if we talk about the market, you know, I had a meeting in this calendar year,
07:47if we look at the Yt returns, the market is around 12% and after the war is around 7
07:52-8%.
07:55Okay, so this is a good time to invest.
08:00You know, when you invest in the market, you know, when the market is a little volatile,
08:06the market is a lot of opportunities.
08:08So, it will be helpful to you.
08:10Okay.
08:11In today's time, you can do the SIPs.
08:14If you don't stop, you don't do a very important message.
08:18I want to give you through.
08:20And if you have a lump sum of money, then spread across it.
08:25I am coming to you a lot of time.
08:27I will say that in the same time.
08:30And I will say that in the same time.
08:30And I will say that in a little staggered minor.
08:33If you have a lump sum of money.
08:36Sir, but we will do the same.
08:38The question is that this market, which is now, will give the opportunity of wealth creation?
08:44Will give the opportunity opportunity?
08:46Will give the opportunity.
08:46Will give the opportunity.
08:46Will give the opportunity.
08:47Will give the opportunity.
08:47Why do I ask?
08:48Because there are some reports.
08:50In some reports, it says that in 3-6 months, the market can be 5-15% and correct.
08:57Where there are high valuations.
09:00Already in many sectors, many stocks, there are valuations.
09:05Some reports say that attractive valuations.
09:07But some reports are also saying that high valuation.
09:11So, will give the opportunity to the real bazaar wealth creation?
09:15And if it will, then there are high valuations.
09:17Where are high valuations?
09:19Yes.
09:21If you will see, if you will see, large caps valuations, as I will say,
09:27market cap as I will say, large caps are good from valuations perspective.
09:32Okay?
09:33Mid cap, if we are talking about it, it is in small caps.
09:36And small caps are also high value.
09:37You know, the valuation is also high.
09:39Despite of this entire stuff.
09:42Right?
09:42So, if you like to make this up-to-int нет,
09:47then there will be an option in large cap-oriented investments better.
09:51But if you will get this up-to-date,
09:53there will be a market cycle change.
09:54Okay, so small cap, mid cap dot,
09:57and when the market cycle goes on,
09:59there will be a price that goes out there.
10:02And there are less places there.
10:03When the market cycle goes through live,
10:10as well, you know,
10:12So, wealth creation, you know, Arnima ji, bantah hai, aap jab niwesh ko, you know, salo raktay ho, toh, right?
10:19Wealth creation joh hai, woh, woh, woh, teen mene, seis mene mein mein, ek saal mein, do saal mein nahi
10:23bantah.
10:23Wealth creation ke liya aapko 5, 7, 10 saal ap rakhen, toh aap, you know, aap returns bantahengi, right?
10:30Aap koji bhi portfolio li li ge jinnohne pichle 10 saal mein investment kiya ho ga, ya fih 10 saal
10:34ke oopar kiya ho ga.
10:35Aaj, dispeit of all these things, joh ham discuss kar rahe hai, unka portfolio, jis tari se unho ne invest
10:40kiya ho ga, woh 12-15% ka CIDR, haram se aapko portfolio dikata ho ga.
10:45Hmm.
10:46So, paesa jo hai, woh, you know, samayi dene hi par bantah hai, okay?
10:50You know, achi companies me, ya fir achi portfolios me, niwesh kanne se, aapka paesa jo hai, woh, woh bantah
10:56hai, okay?
10:56Or, you know, valuations, of course, from a valuation perspective, you know, jaysa minne ka ki large caps, at least
11:03hummari view me, toh large caps, the meter naza a rahe hai,
11:06mid caps bhi kuch opportunities hai, small caps, toh da sa, you know, toh da sa expensive hai,
11:11toh, toh, toh, har eek investments ka eek zone ho ta hai, johan pe aap approach kar pahe hai, right?
11:18Thik hai, toh, toh, toh, toh, toh, ek ho ta hai valuation, dousra ho ta hai, aapka time horizon baut
11:23mahinay rakhta hai, right?
11:25Thik hai, toh, woh time horizon ko aap properly set karein, thik hai?
11:29Or, us ke hesab se aaghe badhenge.
11:31Toh, toh, wealth creation opportunity kab bantah hai, Arnumai ji?
11:34Jab, jab market níche ho, aapke paas paesa ho, aap usko niwesh karein.
11:38Or, patience li, compounding joh hai na, ye, usko koji beat nahi saksakta, okay?
11:43Or, compounding will be more effective, jab market níche ho, aapne invest kiya hai,
11:48aur, aap uskuch patience li wait karein, jab ho market ooper jaye,
11:51toh, aapko joh benefit joh hai, ho, aachha miltah hai.
11:55Je, ah, eek or aankhra rakh rahe hiyun sir, aapke saamne,
11:59ICRA ke numbers hain, aankhrao ke hesaap se, sectoral or thematic funds.
12:04Pichlye saal, isi mahinay ki agar ham baat karein, yaani April ke aaspaas ki baat karein ghe,
12:09kyunki mahi ka mahinah toh, abhi aankhrae aay nahi hai, uske.
12:12Apreil ke mahinay ki agar ham baat karein,
12:14toh, uske comparison me, is saal, same April me, 88% tuk gira chukai hai,
12:20thematic or sectoral funds ki ma baat karei ho,
12:23thik hai, ab sawal ye ki ki kya thematic funds me nivesh sahi randiti nahi hai,
12:30aakhir kiyo niveshak thode se cautious ho gaya hai,
12:33thematic funds ko lhe kar ki,
12:34aur jin lhoogu nne already nivesh kar rakhha hai,
12:36kya unnohne koji galti kar diya, nahi karna chahiye tha.
12:41Dekhi, you know, aapke show pe,
12:43hum baat samaay te aar hai,
12:45aur humne kut kut samaay ye bhi ka hai,
12:46ki thematic funds joh hai,
12:48zahadha ho ta hai,
12:49kyunki sawalavik hai ki,
12:50wohu eek sector me nivesh kertte hai,
12:53eek particular theme me nivesh kertte hai,
12:56toh risk hameesa zahadha ho ga.
12:58Right?
12:58Toh thematic funds,
12:59aysa nahi hai, ki thematic funds me nivesh nahi nahi ki hai,
13:02thematic funds me,
13:03aap nivesh karayin,
13:04jab aapka eek portfolio,
13:06eek hath tak,
13:07thoda sa stable portfolio,
13:09eek decent amount tak pauch jai,
13:10aur still,
13:11additional paise pe,
13:13agar aapke risk reni ki shamata zahadha hai,
13:15tab aap sectoral investment,
13:16agar karayin,
13:17toh aapko overall,
13:18you know,
13:19at least,
13:20you know,
13:21woh risk perspective se,
13:22thoda sa risk kam ho jayega,
13:23kyunki aapka eek stable,
13:24diversified portfolio hai,
13:26aur aapke paas,
13:26additional paise hai,
13:27usmei aapne,
13:28sectoral fund me invest kiya hai.
13:31Right?
13:31Or,
13:32jis,
13:33this tari ki ka,
13:34you know,
13:36philal,
13:36agar em baat karayin,
13:37toh jis tari se,
13:38you know,
13:38jis tari ki ka environment hai,
13:40you know,
13:40bohut sare sectors ke liye,
13:42aur thoda sa,
13:43you know,
13:43thoda sa challenge,
13:44pehle se bana huwa tha,
13:45aur thoda sa challenging ho jayega.
14:15Right?
14:17Us,
14:20you know,
14:20you know,
14:21aapke paas,
14:22aapke paas,
14:22aur risk lene ki shamtah hai,
14:24tab aap,
14:24sectoral investment karayin.
14:25Abh sectoral investment me bhi kiya hota hai,
14:27ki alag alag sectors or themes hai.
14:29Right?
14:58Okay.
15:28So,
15:39aapke paas,
16:05aapke paas,
16:22aapke paas,
16:29aapke paas,
16:30aapke paas,
16:35ama karin gi ki around overall,
16:36agar 100 rupay,
16:37aur hir mena SIP kar raha hai,
16:38hm.ім
16:38paas ya, bisas
16:39ruppaya agar aapke, agar
16:40aapke paas, agar
16:41aapke wa risks ri neki shamtah hai, so aap
16:42thematic funds me nivesh kare, okay? Ah,
16:46problem yoy
16:46hojata hai, ki aap kis
16:47kaha, kaha kaha karayin
16:48gi, right? Ji. Abhi aapke
16:4910%
16:50allocation thematic
16:51funds me ho gaya, 15%, you know, 15% sem lhi
16:54jya,
16:54aapne
16:54small cap me nivesh kare
16:55liya. Hmm. Right? 15-20% joh hai,
17:06foreign
17:08foreign
17:10foreign
17:21foreign
17:22foreign
17:41So basically, the loss that you are showing today, you are realizing that you are going to book it.
17:45Yes. Sir, you have mentioned diversified funds here.
17:50Diversified funds in portfolio is a good strategy.
17:54And if we think that we should keep diversified funds in the portfolio,
17:58because there are many options you get in this way.
18:02So that is an ideal allocation that you can save your portfolio in the volatile market.
18:07So, when you create a portfolio, like you have made a mutual fund,
18:14and you have made a category, large-cap, large-and-mid-cap, factory-cap, multi-cap, focused,
18:21or you have made a blend that you have made a mid-cap and small-cap funds.
18:26All these funds are diversified equity funds.
18:29And your money will be in every sector, in different sectors.
18:36Okay.
18:37So, when you invest this,
18:40then your money will always be diversified.
18:43Basically, you have to invest in 100 rupees.
18:45You have to invest in 100 rupees.
18:48And you have to invest in 100 rupees.
18:50So, you have to invest in 100 rupees.
18:51You have to invest in 100 rupees every time.
19:01Exactly.
19:06…
19:09Okay, then consumption can come, materials can come, IT can come, pharma can come, right?
19:17So, in that regard, the diversification of you is going to be proper.
19:23Rather than you know, you know, you have to think about 5 sectors and then you have to
19:29go to the next level.
19:35Sir, in this show, we have a segment about what we do.
19:40We are talking about thematic funds.
19:42I have told you that in the thematic funds there are already some of these investments
19:45that have already invested in the horizon.
19:49But now, it is a time when they have seen the portfolio and panic situation created.
19:56I want to know a question about these things.
20:01Do you have any common mistakes that can be rectified now?
20:05If I talk about thematic funds?
20:07Do you have to exit the portfolio from the portfolio?
20:10Do you have to get rid of thematic?
20:12Or do you have to put some allocation into any other kind of fund?
20:15Do you have any mistakes that can be rectified by the portfolio?
20:21Yes, the first thing, Arnema Ji, in which sector you have, that is also important.
20:25Right?
20:27Yes.
20:27The second thing, if we have to do it, we have to do it in the future.
20:34So, if we have to do it in the future, we have to do it in the future.
21:12Right?
21:28Whereas the third thing, that right, the second thing is important to who we have to do it in the
21:29future.
21:30Yes.
21:30And the third thing, the other thing, I think they will develop the portfolio that they will
21:38expect us to do it in the future.
22:08you have to buy the bullet or hold
22:34the bullet or hold the bullet.
22:41In your portfolio, the risk of investing in this particular investment is going to be very optimistic on thematic funds,
22:50but I also want to know that there are some themes that seem to be that if we keep in
22:54portfolio,
22:56then our financial wealth will grow better in the future. Are there any themes that we can keep overall evergreen
23:03on the radar?
23:07I will not say that I am pessimistic. I am pessimistic because these themes and sectors are the overall diversified
23:18fund.
23:18I am pessimistic.
23:28I am pessimistic.
23:35I am pessimistic.
23:43I am pessimistic.
23:48I am pessimistic.
24:23Here, I am pessimistic.
24:25I am pessimistic.
24:26and financial services in a few days, but from the stability perspective, you can think
24:32that it is a banking and financial services sector, but as you have started with a diversified
24:37fund, then you can see that it is a clear indicator of how the fund managers in India
24:47are also thinking.
24:49So, it is not that we are pessimistic, but if you look at the sectoral or the thematic
24:58investments, then you will think that the first thing is that there is a risk.
25:05The second thing is that I will understand the sector and what the prospects are, and
25:13the third thing is that there is a risk in the future, and if it is a volatile, then
25:17we will behave in which way.
25:19If these three questions are in your favor, then you don't have allotation, then you don't
25:24have allotation.
25:24Yes.
25:26Sir, we are talking about diversified funds, we are talking about thematic funds, so we
25:34try to understand diversified funds.
25:38If we are talking about diversified funds, then we will make our portfolio in which way
25:44will it be better in which way?
25:46Flexicap, multicap, index funds, ETFs, ETFs, ETFs, because ETFs are now very quickly
25:57The second thing is that the global markets and ETFs are now very quickly, but after
26:02the second thing, the two metals are also stopped by itself.
26:06Also, it is stagnant, returns are not coming very well, it is very good, which has
26:10been taken by some of the interest of investors.
26:12Now, what are diversified funds better?
26:16as an asset class is different, gold and silver is different, so diversified equity fund
26:25is different, so overall you think that when you invest in the portfolio, you have a large
26:33cap, mid or small cap. So diversified, as you have said, you have a lot of options
26:42if you go to large cap, then you will invest in a large cap that you consistently
26:49outperforming the index, or you will invest in the 50-50 index from a large cap
26:56allocation perspective. You have a plexi cap and large and mid cap category
27:01is a huge factor in your portfolio which will help the portfolio to your portfolio
27:08that you will invest in your portfolio. If you see a risk of your portfolio, you will
27:13have a large cap and if you see a risk of your portfolio, you will need a multi-cap
27:26allocation.
27:27Small cap, I don't want to say that the risk is more than a small cap, so if you
27:32invest in small cap, then you can expect more shocks in the near term.
27:41From a diversification perspective, large and mid cap, flagry cap, multi cap, these categories
27:47you can see.
27:48So, the reason to make a diversified portfolio is that you don't rely on any particular
27:58strategy.
28:03Okay, sir, one last question for our viewers.
28:08We generally want to know that when the market situation changes, what do you want to
28:13reject portfolios and asset allocation?
28:15But today we want to understand that, but we want to understand those investors who
28:22are entering the mutual funds through this time.
28:26Some of these 3-4 funds can be a safe portfolio.
28:30Because those who are entering, they are seeing things that we are getting
28:33very difficult to invest.
28:35So, we can get more profits.
28:37But some of these are the fear that the bazaar is so volatile.
28:41If the bazaar has seen such a crisis situation, because the bazaar's nature is volatile, then
28:47how will the portfolio be?
28:49So, which funds should be such a fund?
28:51What kind of allocation should be our ideal portfolio?
28:53So, if you are starting to invest, you should not invest 1-1 rupiah in the next 2-3
29:05year.
29:06If you are going to invest in equity funds.
29:08Are you going to invest in credit cards?
29:08Yeah.
29:10So, you should have to invest in 5-3 years or 7-3 years.
29:14So, you should invest in short-term funds.
29:17So, you should invest in debt funds or conservative hybrid funds or multi-either funds.
29:25As per equity-oriented funds.
29:37foreign
29:46foreign
29:47foreign
29:55foreign
29:58foreign
29:59foreign
30:05So, this will help you to average your investment in your investment.
30:12Patience is very important for anyone who is entering today.
30:23foreign
30:28foreign
30:53foreign
30:56foreign
31:17Okay, okay, so Bazaar is one way, which is so much, if we don't have domestic investors
31:26chip-in, but we don't have domestic investors, but we don't have our returns.
31:32So, if you understand the money in other countries, where the markets are surged,
31:37and where the money comes from, they start to come to India, because India is attractive.
31:42I think one challenge for India is that the rupee depreciation is a challenge.
31:48So, if the rupee depreciation is a little bit stable, I believe that at least, because
31:55as much as you read reports, all the reports are saying that India's GDP growth has been
32:04lowered.
32:05But one thing we all miss, or not highlight, despite that they have reduced India's growth
32:14estimates, but across the world, India is expected to be one of the best performing economies,
32:20when you compare with other countries, including developing countries.
32:22Okay.
32:24So, this is what we have to think about.
32:26Yeah.
32:27So, this is what we have to think about India's growth story.
32:30So, we have to think about that in the Bazaar, especially our mutual fund portfolio, which
32:35you have to plan a lot in the future.
32:38But sir, one question, when you were telling me, is that mid-cap and small-cap
32:59goes slowly, they are better.
33:05At least, in our way.
33:08Thank you so much, Harshad.
33:09Thank you so much, Harshad.
33:10You have to join us today.
33:11Do you have a disclaimer?
33:13Yes.
33:13No, there is no disclaimer.
33:14But one thing I will tell you is that this market environment is where you have to
33:19your requirements, your portfolio and your goals and your goals.
33:24will manage, okay.
33:25And if you want to try to check yourself, there is any financial advisor or planner.
33:35Thank you, sirs, for joining us today.
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