The Newsletter · Issue 01

Your market
made legible.

Every month, Dekodd breaks down the funds, stocks, and strategies that matter for India's retail investors — without jargon, without noise, without telling you what to buy.

This issue
Not financial advice.Always educational.
Mutual Funds We Cover

Funds worth
your attention.

Not every fund makes the cut. We cover funds with consistent process, honest management, and a clear reason to exist. Past returns are shown for context — not a promise.

Returns as of latest available data. Past performance is not indicative of future results.

US Stocks We Track

Global giants,
Indian context.

These companies matter to Indian investors — either because Indian funds hold them, or because they compete with or power India's tech sector.

US market data is approximate. Not a recommendation to buy any security.

Invest By Age

The right strategy
for where you are.

No single strategy fits everyone. Select your age range and see what a sensible approach looks like — built from first principles, not copy-pasted from a brochure.

Growth Accumulator

Income is rising. Let your portfolio rise with it.

Aggressive15–25 years
Equity75%
Debt10%
Gold5%
International10%
Typical income₹50,000–₹1,50,000
Recommended SIP25–35% of income
Best for

Peak compounding period. Income growing + expenses manageable = maximum surplus to invest.

⚠ Watch out

Lifestyle inflation is the biggest portfolio killer at this age. Raise SIP before raising lifestyle.

Core principles

  • 01Step up SIP by 10% every year as income grows
  • 02Keep 6-month emergency fund before investing
  • 03ELSS for tax saving — don't waste 80C
  • 04Begin international allocation via international funds
SIP Allocation Guide

Flexi, Mid, Small —
how to split your SIP.

Most investors ask: "Should I put more in mid cap or small cap?" The right answer depends on your age and time horizon. Here's a framework.

My age range:
45%
Flexi Cap
35%
Mid Cap
20%
Small Cap
Flexi Cap45%

Invests across company sizes. Fund manager moves between large, mid, and small cap as opportunities arise. Most stable of the three.

Example on ₹10,000/mo SIP₹4,500
Mid Cap35%

Medium-sized companies. Higher growth potential than large caps, lower risk than small caps. Sweet spot for most investors.

Example on ₹10,000/mo SIP₹3,500
Small Cap20%

Smaller companies with highest growth potential — but also highest volatility. Needs a long time horizon to smooth out swings.

Example on ₹10,000/mo SIP₹2,000
💡

Why this split for 26–35? Prime accumulation phase. Mid cap adds growth muscle to a flexi cap core — best of both worlds.

Important disclaimer

This is an educational newsletter. Nothing here is personalised financial advice. Mutual fund and stock information is for educational purposes only. Past performance is not indicative of future results. Please consult a SEBI-registered investment advisor before making any investment decisions. Dekodd does not earn commissions from any fund house or stock mentioned.