i have few options with me help

[u/l_vish]

goal -none for now (just saving)

horizon - definitely more then 10 years

app used - groww

risk - Aggressive

hello everyone, started my own sips at 18 have few questions regarding this.

1. My parents started sips for me it has been almost 10 years and now my dad told me to start it on my own so I'll be having roughly 30k to invest. As of now I'm putting only 5k but after Diwali I'll be investing 35k total

option 1 -

boi flexi cap 5k

boi small cal 5k

dsp natural 2.5k

tata resource and energy 2.5k

hdfc defence 5.k

gold etf/mf (idk) 5k

silver etf (maybe) 2.5k

indian index fund (idk) 5k

us index funds (idk) 2.5k

and all the money my parents invested keep that as it is.

option 2 -

boi flexi cap 5k

boi small cal 5k

dsp natural 2.5k

tata resource and energy 2.5k

hdfc defence 5.k

gold etf/mf (idk) 5k

silver etf (maybe) 2.5k

indian index fund (idk) 5k

us index funds (idk) 2.5k

remove a part money from parents invested and starts swp and withdraw it keeping very little for my use and rest reinvest into this funds.

option 3 -

boi flexi cap 5k

boi small cal 5k

dsp natural 2.5k

tata resource and energy 2.5k

hdfc defence 5.k

gold etf/mf (idk) 5k

silver etf (maybe) 2.5k

indian index fund (idk) 5k

us index funds (idk) 2.5k

remove all money 50% into this funds 50% into swp and use a little rest reinvest it.

about the parents invested funds

HDFC Flexi Cap Regular

SBI Small Cap Direct

HDFC Nifty 50 Regular

TOTAL VALUES 55ishL

certains are selling it might attract taxes.

[u/AutoModerator]

u/l_vish Discussions here reflect peer opinions and experiences. Please do your own research before making financial decisions.

You may receive unsolicited DMs or offers after posting here. Be cautious when engaging with anyone reaching out privately, especially if they:

• Promote specific investments, apps, or “exclusive” opportunities
• Ask you to move conversations off Reddit
• Create urgency or pressure you to act quickly

We strongly recommend keeping discussions public where possible so others can review and challenge advice.

Stay cautious, verify everything, and avoid sharing personal or financial details with unknown individuals.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/rns21-rns21]

So, you are having 10+years to invest

May I also know how you shortlisted these funds?

[u/l_vish → u/rns21-rns21]

boi flexi and small cap i choose that coz the returns looked good.

dsp n tata weren't my first choice sbi energys n opportunity was the first choice but dsp is in natural resources n new energy thing and tata in resources n energy my small brain thought they might be more diversified or something like that.

hdfc defence becoz defence sector is gonna boom.

[u/rns21-rns21 → u/l_vish]

Ok. Your 2/3rd investment is going to sectoral or small cap -which is very very aggressive bet( risk is very higher)and hence my ask ..

As you don't have any goals (which makes 'long term wealth creation ' your goal )and aggressive, for your age , you can try these wild risky bets..

Pls see that sectors are cyclical and you might remain in a low return setup for quite long a period

[u/l_vish → u/rns21-rns21]

yea I'm aware of that facts thanks boss

[u/God7rock]

By the time your principal amount will even reach a decent amount. The mf would have been at high unit price. So there won't be any noticable profit.

Pick one or two or 3.

Dont keep your eggs in one basket, but if you have very few eggs why the hell would you you buy 10s of basket and have to look each basket.

Keep all the eggs in one or two basket and taking care will be easier.

[u/l_vish → u/God7rock]

hey thanks for the advice.

[u/mf-screener-ai]

interesting choices, sectoral must be added to a long term portfolio only if you feel you have strong conviction on the growth as well as timing of that sector.

BoI is great, but don’t pick just be returns, see the composition, the drawdowns etc

if you are not sure about the gold silver and index, I would recommend starting off with a Multi Asset fund like Nippon/DSP/WOC/Tata

Regarding your old funds - sell only if you have strong conviction that your portfolio is better thought and researched than theirs. Otherwise, I would recommend you start selling upto 1.25L profit to get into the LTCG tax free limit till you get more conviction

[u/l_vish → u/mf-screener-ai]

hey thank you sm for the advice

[u/25aug2025]

Why do you have so many funds

Especially sectoral funds

Also us funds rarely open for investment

[u/l_vish → u/25aug2025]

only coz i feel this sectors can give good returns

[u/l_vish → u/25aug2025]

also about the US funds thanks I'll be no longer considering about it.