Portfolio Review — 30M, ₹1.66 Cr Net Worth
Profile: 30 | 8 yrs work ex | Pune | Getting married in Dec 2026
Salary: 4 L/month and wife's income is 10LPA
Portfolio Breakdown:
| Asset Class | Value (₹L) |
|---|---|
| Cash & Savings | 43.5 |
| Mutual Funds | 43.6 |
| Direct Equity (India) | 12.7 |
| US Stocks | 16.7 |
| Crypto | 3.6 |
| Real Estate (Plot) | 18.0 |
| Gold + Silver | 14.5 |
| PPF + NPS + Bonds | 8.5 |
| Money Lent to Family | 5.4 |
| Total | 166.5 |
Allocation: ~46% Equity | 26% Cash | 11% Real Estate | 9% Gold | 5% Debt | 3% Receivables
Near-term goals (next 6 months):
- Wedding: ₹12L
- Honeymoon: ₹5L
- House setup: ₹5L
- Total: ₹22-25L
Questions:
High cash (26%) is for upcoming expenses, but I haven't been investing actively and now I am going through analysis paralysis. I am looking for suggestions on how to restart my personal finance and what discipline do u suggest ?
Post-wedding, planning to deploy ₹8-10L surplus via STP into equity over 6 months. Does this make sense?
Any concerns with this allocation for long-term wealth creation? I am very nervous that given the opportunity I have I am not making the most of it.
Should one buy a flat in Pune? as an investment not an emotional purchase
TMI- I am not able to live my life to the best of my ability. I want to change that. Feeling very lost, all this wealth accumulation but I cannot use the money freely probably some middle class mindset.
Appreciate the feedback!