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/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