MF Golden Cross — 50/25/25 Blend

A 50/200 EMA crossover on mutual-fund NAVs — a long-horizon golden-cross rule.

Buy rule

Buys a fund on the day its 50-day NAV moving average crosses ABOVE its 200-day — a golden cross, the classic long-term uptrend signal (the slow 200-day average suits the smoother, slower-moving nature of fund NAVs).

Sell rule

Sells on the day the 50-day average crosses back BELOW the 200-day — the death cross.

Universe

A fixed-allocation blend across three capital sleeves: 50% large-cap equity mutual funds, 25% mid-cap equity mutual funds, 25% small-cap equity mutual funds — each sleeve runs the same crossover on its own budget and manages its own cash.

Which names

When more funds qualify than there are slots, they fill in signal order (deterministic).

Position sizing

Starts fully in cash, buys only on a fresh golden cross, 13% per fund (~8 slots). NAV is net of the MF exit load (charged when a fund is redeemed within a year), and post-tax returns apply equity-MF capital-gains rules (20% short-term, 12.5% long-term after a year).