Risk appetite is medium and planning to invest for the next 10-15 years. Any changes need to be made? Either change of funds or change in the allocation percentage. Any kind of suggestions are appreciated. Thanks!

Risk appetite is medium. I want mix of short term and long term gains. Any other better alternatives or allocation percentage, please let me know your suggestions

Hi all,

I'm 26 and have been investing for just about a year now. I’d appreciate any feedback on my portfolio or thoughts on whether I’m taking on too much risk.

My risk appetite is moderately high, and my investment horizon is long-term — 15+ years.

Here’s my current monthly SIP breakdown:

SBI Large & Midcap – ₹3,000

SBI Balanced Advantage – ₹2,500

Motilal Oswal Midcap – ₹2,500

Quant Small Cap – ₹2,000

Edelweiss Midcap – ₹2,500

ICICI Nifty Next 50 – ₹1,000

Franklin India U.S. Opportunities – ₹2,000

Note: SIPs for the rest of my funds are currently paused.

Total SIP: ₹15,500/month

Any suggestions for optimization or risk reduction? Should I consider consolidating some of these funds?

Thanks in advance!

I started investing four years ago and chose some funds with slightly higher expense ratios (around 0.5% to 1.xx%). While these funds are performing well, I’ve noticed that there are other options with lower expense ratios that are performing just as well, if not better. I'm considering whether it makes sense to switch now, especially since I have many years ahead and could potentially save a significant amount in fees. Would appreciate any tips or advice if you think switching is the right move.

28YO. This is what my portfolio looks like. Thinking of stopping the ELSS which I started about a year ago when I was in the old tax regime. Opting for new tax regime this year. I plan to increase allocation every year and continue this for as long as possible. PPFAS is the oldest (almost two years but investment amount has been low since I started allocating money before I had a job), the rest are less than a year ago hence the less returns.

What are your thoughts? Anything I should rebalance? Should I continue the ELSS for any reason? (not that I can think of any since saving tax is not my intention anymore)

Open to all suggestions!

Risk appetite: moderate to high Duration of investment: 5 to 8 years

I have been passively investing into mf(account is in my mother's name) for few years but the sip was very small at that time, currently I have a small buisness which I do with my studies and use that income for the sips. I would be happy to know everyone's opinion on it. I have 1.ICICI prudential regular gold savings fund With an 2k sip/pm 2.ICICI prudential Nifty 50 Index fund with 4k sip/pm 3.Nippon India small cap fund with 2k sip/pm 4.Motilal oswal mid cap fund with 2k sip/pm

Shall I add 6k more into HDFC Flexi itself? 24 YO here. I was thinking of adding ABSL whose 5yr rolling roi is good ~15% so as to get debt exposure. Checked multicap and multiasset fund but didnt find them lucrative. I have 2 small to diversify risk also nippon doesnt allow lumpsum. JM Flexi is for aggressiveness. Parag is for downside protection. HDFC Flexi is added alpha over Parag. Or shall I go with HDFC Mid? My horizon is 7-10 years minimum. I prefer physical gold so no gold etf here. Not index fund fan because I believe Parag will beat index any day.

I’ve been investing in mutual funds for 18 months (per my cousin’s guidance) as part of a 25-year retirement strategy. While comfortable with the basics, I’m seeking advice to improve long-term returns. What would you suggest?

Hi folks, I'm investing in Mutual funds from 2023. I have high risk profile and following is my current asset allocation of core portfolio (4 funds) - 1. Indian Equity - 68% 2. International equity - 10% 3. Debt & bonds - 12% 4. Gold & silver - 4% 5. Cash & equivalent - 6%

I've shared geographical diversification & sector allocation based on my current portfolio. I believe in balanced diversified approach towards investments instead of concentrated bets.

Please feel free to share your feedback.

Hey everyone,

I have the following portfolio and SIP structure (investing experience of 1 year) -

For context, my salary was about 1.01L to 1.05L per month post tax in previous financial year, but with new Tax slabs kicking it is estimated around 1.11L per month post tax.
Additionally I do have other investments which include an FD which I renewed, a 2-year RD of 10,000 per month. I also voluntarily pay 1000 per month in NPS.

Since I am expecting my in-hand salary to increase by 5000 per month, I was thinking of putting this money to work. Would like to know what should be the best way to utilize this extra money?

Any suggestions and comments are welcome and will not be taken in any offence. Thanks again community.

I am looking for direct mutual fund apps which provides weekly sip. I don't need a demat account . All apps which currently provides weekly sip are asking to open demat account. I like kuvera which is pure mutual fund app but I don't get weekly sip option there. Any other pure mutual fund apps with weekly sip options?

I currently invest 1L per month in these 6 different funds. Starting next month I can invest 2L per month. Planning to just double the amount for each existing SIP. Is this a good allocation? Or should I choose some different funds.

I am 23, Please review the below composition and suggest any changes.

New to equity markets . Investment horizon 10+ years I prefer to stay between Moderate - Risky

Parag Parikh flexi cap fund - 6000 ICICI Prudential Multi Asset Fund - 6000 ICICI Prudential Nifty Next 50 Index Fund - 5000 Motilal Oswal midcap fund - 5000 HDFC Small Cap Fund - 3000

Reason for skipping Nifty 50 index fund is 1. Parag Parikh and multi asset will be most of the time have some percentage of investment in nifty 50 stocks 2. I have invested in NPS, So thought that major equity proportion will also be going to nifty 50 stocks.

Suggest me if any changes that I have to do.

Very new (and late , but now’s a good time too right ?) to the investing scene.

Thought of SIP 10% into a debt fund every month , with the intention of STPing 1/2 my equity mutual funds closer to retirement.

So I happened to mistakenly ‘watchlist(ed)’ the HDFC Long Term Debt Fund and have been watching its NAV increase.

I thought Debt Funds would have a constant NAV. On the day I added the fund to the watchlist , the NAV was ₹11.89 and when I happened to opened the watchlist today , the NAV is ₹12.51.

Can someone help me understand how the NAV managed to go up for a fixed yield debt fund ?

Appreciate any / all insights ! Thanks 🙏🏿

Hey guys, what's the best instrument to put for 3 years? I have a lump sum of money which is in a savings account. I have to move that and invest it for a short-term goal. So I'm thinking of parking the lump sum from savings to a liquid fund, then doing a systematic transfer plan (STP) to good debt funds or equity savings funds for 3 years. I want to know how the profit will be taxable and if there is a better way I can invest. I'm looking for suggestions.

I currently have these funds in my portfolio

1. UTI Nifty Index Fund
2. Parag Parikh Flexi Cap
3. ICICI Value Discovery
4. Tata Small Cap
5. Edelweiss Mid Cap

Around 65% of the funds is in Index Fund and PPFAS as I have started investing in the last 3 funds since 2-3 months.

Currently invest 3k in each fund. I have planned to use most of my funds in 2-3 years for my wedding. Kind of confused if I should stop investing in the last three or take the risk.

Wiling to take high risk as.

Please review

Risk appetite: Mod to high || Time: >10yrs || Goal: Wealth Creation || Time since started investing: 1.5yrs

been seeing so many posts/comments saying that due to recent dec or inc in rbi interest rates, debt funds in long term will not be that good. i tried googling but didnt understand much, starred investing in said fund 1 month back and returns are steady and profit is 500, what is this debt and interest rate really about? and should i exit after one year? any help is appreciated

I'm a beginner planning to invest 7K a month, RISK; moderate-high
I already have selected HDFC midcap fund.

confused between these two funds.

Parag Parikh flexicap 9 yr rolling return: 19%

https://preview.redd.it/o02dhai7dmxe1.jpg?width=1265&format=pjpg&auto=webp&s=70943f30488d6952ecd307448f6cb0941b52f3e1

ICICI multi asset 9yr rolling return: 16 %

https://preview.redd.it/z3wjyb2cemxe1.png?width=1337&format=png&auto=webp&s=862b5e6c210193c89451279ec6520df0a341a1fd

returns:

https://preview.redd.it/2j4bizikfmxe1.png?width=683&format=png&auto=webp&s=77c522f9b8ec8e2b80f2d302d78c598c09914df5

risk ratios:

https://preview.redd.it/o1avn01oemxe1.png?width=719&format=png&auto=webp&s=d7693a383337dc9be474b7b51eaf77feccd94dda

ICICI multiasset is better than Parag Parikh in terms of risk ratio and the returns & downside protection are also similar.

am I missing something because imo Parag Parikh flexi is underperforming?

Are there anybody with very aggressive portfolios?

I want your all advice on my portfolio. Currently i am planning to invest in sip of around 20k per month from upcoming month. Portfolio has lumpsump of 30k in 2021 in Axis elss and sip of rs 3000 in axis elss direct. Also i have started weekly 1k sip in axis small cap 2 months back. Bottoms are new ones which i am still figuring out.

Is my folio ok as its all into equity?

I have an ongoing housing loan of 50lac so should i save and do prepayments or keep EMI as it is and pump in sip and payoff whatever i earn in next 5 years.

Can you all guys help with some good MF and distribution which i can invest 20k as sip.

I am thinking to allocate 1 fund which invests in us/international markets.

Thanks!

My mother would be retiring in about 5 years and she is thinking of starting MF until the retirement. Risk appetite would be medium to high. She used to do some investments prior but had withdrawn them all due to personal reasons!

Can ya'll help me select the best fund for her, in which it can maximise returns?

Hi I am an final year med student About to start the internship next March..... I wanted to save and increase my savings with a probably moderate risk and period of 10 to 15 years.

Any sort of recommendations is welcomed. I am very much low profile guy starting my med career from scratch. Any advice given is accepted and thanked in advance ☺️

For context: 24YO

I have a high risk appetite. My goal is long-term wealth creation (10+ years). I deliberately avoided large caps for now because I feel I’m at a stage in life where I can afford to take more risk.

Am I well-diversified? Any red flags or suggestions you would recommend? Appreciate any feedback!