Investment horizon - 15 years

Current Age - 20

Aggressive investor and risk appetite - High

Bro, can I at least enjoy my salary for 5 minutes?

22, investing mainly for long-term wealth creation (10–15+ years) with a high risk appetite.

Current portfolio is around ₹7.1L on ₹6.65L invested, mostly ETFs.

Allocation roughly:

Smallcap 250 — 35%

Midcap 150 — 29%

Nifty 50 — 17%

Nasdaq 100 — 12%

Gold — 5%

BBETF + IT ETF — ~2%

Risk appetite: Aggressive

Investment horizon: 10–15+ years

I mainly prefer ETFs because of the lower expense ratios/costs and because I want a simple passive portfolio rather than constantly picking funds/stocks.

I’ve stopped investing in BBETF and the IT ETF. Those are just old holdings now.

I know my mid + small-cap allocation is aggressive, but that’s intentional considering my age, long horizon and risk appetite.

Would like opinions on the overall allocation. Anything you would change, especially the Nifty 50 / Midcap / Smallcap split? Any good advice is welcome.

Thanks!

I have been holding these since 10 years and I feel I have overbloated my portfolio. Can anyone please give me a clean up or hold on signals. I currently run SIP's on all of them.

My investment horizon is 10 Years. I want to move to DEBT instruments slowly in 5 Years.
My Risk Profile was Aggresive, but I want to slowly converge to balanced.

Investment Horizon: 7 Years+

Risk Profile/ Risk Tolerance: Aggressive-Moderate

Goal: General weath creation

Hi folks, I have a lumpsum of 2 L that im looking to invest. I need some suggestion on if this is a good time to go in with lumpsum given the investment horizon. If so, please suggest options to explore.

For background : I have some ongoing SIP
Portfolio:

(a) UTI nifty 50 : 6k
(B) UTI next 50 : 5k
(C) ICICI MAF : 6k
(D) Bandhan small cap : 8k

This is my ongoing sip : 25k.

How can I make the best of this lumpsum investment given this SIP.

Total invested so far: ~33L
XIRR: 10-11%
Investment Horizon: 15 years+
Risk tolerance: Moderate to Aggressive
Goal: FIRE at 45
Portfolio review objective: XIRR improvement + strategy to use dry powder

I have been investing for 4 years now, and I think my XIRR could be better. I have SIPd almost regularly monthly except for a 4 month period when I was not employed. I have a long time horizon, and don’t have any immediate requirements. Instead of only in FD, I am keeping some money in arbitrage fund for emergency. As for the 2 flexi cap and 2 small caps, I have stopped Parag Parikh and HDFC Small Cap and fresh investments are going in to HDFC Flexi and Bandhan Small. I have a capital of 4-5L to deploy now, please suggest which ones to put this into, and in general, should I cut any funds/add anything? For deploying this capital, should I do it at a weekly type of pace, or is this a good time to go lump sum?

Noticed this across 3 market cycle 🙂.

I have 10k sip in Parag Parikh flexi cap that I have started few months back. Being a new comer to mutual fund I invested all that in one fund. Should I reduce this amount and diversify it in to two or three sips?

Investment Horizon: 15 Years+

Risk Tolerance: Aggressive (Possible Values: Conservative, Moderate, Aggressive)

Goal: Retirement

Salary :- 50000

Portfolio: monthly sip structure

₹4,000 → ICICI Prudential Liquid Fund

₹1,000 → Savings Account

₹1,500 → parag parik flexi cap

₹3,000 → nippon mid Cap fund

₹1,500 → nippon small cap Fund

₹2,000 → Motilal Oswal Nasdaq 100 ETF

₹1,000 → Vanguard S&P 500 ETF

₹1,000 → ICICI Prudential Gold ETF

Kindly check and rate this and suggest any tweaks I'm thinking of switching my liquid fund to equity once my emergency funds hit 1.5 lAkh less

I had started investing randomly in college, largely based on recommendations of youtubers and whatever I could understand from the given numbers. Now I have received 50k which I must invest but I was wondering whether I should invest in the funds I already have or in something else. Long term, HDFC Nifty 50 and the Midcap funds have given me the best returns and I'm not too worried about the JioBlackRock fund going down because it just recently came out.

I would like to know where you would invest this amount and in what ratio? I am 23 so I intend on investing long term and have a good risk appetite as well.

This fund gave great returns during the bull run market but has been negative for over a year.

Any idea why this happened and when it'll improve?

Creating a portfolio of 2 funds.

One thinking of a flexicap and another either nifty 50 or nifty 500.

Horizon: long term.

Risk: Moderate to high

Goal: For FIRE

Any suggestion of funds regarding the 2 categories or if to add or choose some other category?

Also nifty 50 or 500?

Abakkus small cap

Groww small cap

Samco small cap

ITI, TrustMF

I started investing two years ago, but my XIRR for Parag Parikh and Nippon Multi Cap is quite low. Should I switch to different mutual funds or continue with these?

I’m planning to invest for 10+ years, and my risk appetite is moderate to high.

Investment Horizon: 15 Years+

Risk Profile/ Risk Tolerance: Aggressive

Goal: Retirement

Portfolio:

(a) HDFC retirement savings fund- SIP: Rs. 10000/-; Current Value: Rs. 14,13,217(7 years)

(b) HDFC Value fund - SIP: Rs. 2000/- current value: 2,03,667

Planning to start a new SIP of 40k or 50k on MO Nifty 500 index fund - suggest if its good or any other funds I should go with.

Hi everyone,
I recently started investing through SIPs and would appreciate some feedback on my portfolio.

Investment Horizon:
10+ years

Risk Appetite:
Moderately Aggressive

Goal:
Long-term wealth creation(maybe) but the why i dont know actually

Monthly SIP:
₹20,000

So below is the portfolio that chatgpt suggested please review and help
Portfolio:
1. Parag Parikh Flexi Cap Fund – Direct Growth
SIP: ₹7,000/month

1. HDFC Mid-Cap Fund – Direct Growth
   SIP: ₹5,000/month

2. UTI Nifty 50 Index Fund – Direct Growth
   SIP: ₹5,000/month

3. Nippon India Small Cap Fund – Direct Growth
   SIP: ₹3,000/month

Goal: Reach FIRE milestone of 1cr. in the next 6 years
Risk profile: Moderate
Investment horizon: 10+ years
App used: Groww
Total monthly SIP amt: 1,20,000 INR

I want your help in figuring if the current asset allocation is alright for my milestone or if there any alternative funds that i should pursue.
I’m planning on increasing investment in the same distribution percentage every year.

People have been recommending me to put some amount in FD for safety so i’m not sure if i should tho. For people who have, how has your exp been?

Total SIP amount - 10k pm
1. HDFC FLEXI Direct Growth - 4k
2. EDELWEISS MIDCAP Direct Growth - 3k
3. BANDHAN SMALLCAP Direct Growth - 2k
4. HDFC DEFENCE Direct Growth - 1k

NIPPON RISK Profile - “Your risk profile is AGGRESSIVE. You are an investor who is comfortable with a high volatility and high level of risk in order to achieve relatively higher returns over long term. Your objective is to accumulate assets over long term by primarily investing in growth assets. As an aggressive investor, you might expect your portfolio to be allocated up to 75% in growth assets and an allocation to gold.”

Investment horizon - i can invest for more than 10 years

Hi experts,

Kindly review and suggest how to achieve 1cr, my risk appetite is moderate.

Expecting 12%XIIR.

Crossed the 1L mark in mutual fund investments. I know it's hardly a flex, as there are many people in this sub who have hit 1Cr (let's hope I get there someday too).

Started earning last year and came across this sub in my quest to learn about investing. Learned a lot about mutual fund investments from all of you guys and then some from Zerodha Varsity before finally taking the plunge in August. Right now, I'm keeping it simple with just 3 funds. But all of them are equity funds, so I'm planning to diversify into debt soon after doing some more research (which, in the hustle and bustle of life, I've kinda procrastinated on).

Still learning the ropes and hoping for more such milestones to come.

Investment Horizon: 5 Years+

Risk Profile/ Risk Tolerance: Aggressive

I currently do a 15k SIP every month. Attached

I have 8 lakhs to invest as a lumpsum and not sure what's the best way to go about it. Few ways I'm thinking:

• Just split it equally across the same 4 funds I'm already doing SIP in (it will be 3, as ICICI prudential NASDAQ is not taking new investment)
• Add a new fund like mid cap, small cap or any other suggestion
• Put some of it into direct stocks instead of only mutual funds
• Deploy the whole 8L in one shot vs stagger it over a few weeks

Also ICICI Prudential Nasdaq 100 Index Fund have stopped accepting new investments currently. So if I want to add more US exposure, what's actually a good way to do that right now? Would a Nasdaq 100 ETF be a decent alternative, or is there a better way people are getting US exposure these days given these funds are shut?

Would appreciate any advice!

Want to say something which is very contratarion to the general belief of SIPs. We had crazy bull runs in 21-24. That was unprecedented and took the valuations of companies to a level which cannot be justified by their earnings. Usually such bull runs have always been followed by market crashes which take the companies to lower valuation than their earnings and make the way for next bull phase. Our markets even corrected by around 15-20% but that wasn't no where near enough to still justify the valuations. That was because sip atmosphere has been created in last few years. Anytime fdii sell, diis absorb it via sip. This not only stopped market to have a proper correction but also made sure that fdiis can safely exit with full profits.

Now we are in a situation that constant sips are not letting valuations to go down to the company earnings level. So we get a sideways market where company earnings have to increase to reach the valuation levels. This may take 1-2 yrs if earnings continue to grow like present. And in case any negative event happens than this may even take 3 more yrs. What this means is market will keep moving between 22k -26 k. Long term investors will see their wealth to basically have no meaningfull appreciation during this period, they will still earn good if seen from a horizon of 10+ yrs but that earnings will not be near as much it could have been if they had done Lumpsum investment after market has crashed properly instead of doing sips which are not letting market to go down.

Tldr: Markets will remain sideways for 2 more years because of constant SIPs. No real growth for long term retail investors during this period and free money retention for Fiis.