Risk Appetite - Aggressive
Goal - wealth creation
Horizon - 10-20 years
Allocation

Fund	Monthly SIP	%
HDFC Nifty 50 Index Direct Growth	₹20,000	30.3%
HDFC Nifty Next 50 Index Direct Growth	₹10,000	15.2%
Parag Parikh Flexi Cap Direct Growth	₹15,000	22.7%
Motilal Oswal Nifty Midcap 150 Index Direct Growth	₹5,000	7.6%
Edelweiss Mid Cap Direct Growth	₹5,000	7.6%
Canara Robeco Small Cap Direct Growth	₹9,000	13.6%
Franklin Asian Equity Direct Growth	₹2,000	3.0%
Total	₹66,000/month	100%

App used - Groww

How I ended up here

Earlier I invested in funds based on random ideas/recommendations without thinking enough about the portfolio as a whole. Eventually I ended up with around 20–30 funds, including some Regular plans, sectoral funds and a lot of overlap.

Today I stopped the SIPs in the Regular funds and most of the funds I don't want to keep adding money to.

For the new SIP allocation, I sat with an AI bot 😂 and went through different combinations. The objective was to get down to a relatively small portfolio covering large, mid and small caps, with a mix of active and passive investing.

Nifty 50 is intended to be the main core, with Next 50 providing exposure beyond the top 50.

Looking for criticism

What would you change here?

In particular:

1. Does the overall allocation make sense for an aggressive 10–20 year horizon?
2. Is ~15% midcap + ~14% small cap reasonable, or would you increase midcap?
3. Does splitting midcap 50:50 between Motilal Midcap 150 and Edelweiss Mid Cap make sense, or is one enough?
4. Is Nifty 50 + Next 50 + PPFC too much overlap?
5. What would you do with the ₹2k Franklin Asian Equity allocation?
6. With a home loan at 7.25%, would you keep investing ₹66k/month or divert some of it toward prepayment?

Please feel free to roast me

Reworded using AI

Hey everyone,

I’m looking to connect with a highly disciplined accountability partner to dive deep into AI and backend/distributed technologies.

To be clear: I am not looking for "funky" surface-level tutorials, generic AI wrapper hype, or prompt engineering tricks. I want to study the core engineering, architectures, and mathematics behind these technologies with actual depth.

About Me & The Goal:

• What I want to learn: Deep tech related to AI, LLM architectures, distributed systems scaled for AI, and foundational machine learning engineering.
• My current challenge: While I have the technical background, my self-discipline can slip. I am looking for someone who is structured, consistent, and willing to push both of us to stay on track.
• Commitment: At least 1 hour daily, aiming for a realistic average of 10 hours per week.

What I’m looking for in a partner:

• Disciplined & Reliable: You don't have to be a genius, but you do need to show up. We will be setting concrete goals, doing daily/regular check-ins, and holding each other strictly accountable.
• Technical Background: You should already have a solid grasp of programming and software engineering fundamentals so we can jump straight into advanced concepts without starting from scratch.
• Execution-focused: Someone who prefers building, breaking things, and reading papers/source code over just watching videos.

How we can structure this: We can figure out the exact details together, but I’m thinking a shared tracker (GitHub, Notion, or simple sheets), weekly goal-setting sessions, and a quick daily sync/check-in to ensure the 1 hour minimum is met.

If you are serious about leveling up your engineering depth this year and want someone to push you as much as you push them, drop a comment or send me a DM with a brief background on your skills and what specific AI/tech areas you want to target.

Let's build something real.

ps : used gemini to restructure

30M here, working as a software engineer in Bangalore.

About 4 months ago, my parents introduced me to a 28F. We've been talking almost every day through calls and texts, and we've met once in person.

The thing is, she's genuinely a good person. She's caring, respectful, family-oriented and not materialistic. I do like her, which is why I'm finding this so difficult.

My doubts are mostly practical.

She isn't working at the moment. She's open to working after marriage if she gets an opportunity, but I'm not sure how realistic that is. I earn well, but I'm in tech, where layoffs are always a possibility. Bangalore is expensive, and I sometimes wonder if I'm being irresponsible by choosing a single-income marriage when almost everyone around me has a dual-income household.

We also have quite different interests. I enjoy reading novels, following current affairs and learning new things. She enjoys sketching, but apart from that we don't seem to have many common interests. Our conversations have also become repetitive lately. I'm not sure if that's just what happens after talking every day for months or if it's a sign that we're not compatible.

She also told me about a previous 5-year relationship. She says they're just friends now and only talk occasionally. I want to trust her, and I don't think she's hiding anything now, but I'd be lying if I said it doesn't make me a little insecure.

The bigger issue, though, might actually be me.

I've been living independently from a young age and I'm genuinely scared of marriage. Last year I also said no to another arranged marriage prospect after listening to advice from other people, and I still regret that decision. Now I'm scared of making another mistake in either direction.

Sometimes I wonder if I'm identifying real compatibility issues, and other times I wonder if I'm just looking for reasons not to commit.

Has anyone here gone through something similar? How did you distinguish normal pre-marriage anxiety from actual incompatibility?

Used chatgpt to frame the post.

TL;DR: 30M talking to a girl for 4 months through an arranged marriage setup. She's kind and I like her, but I'm worried about single-income life, different interests, and I also have some insecurity about her past relationship. At the same time, I'm generally scared of marriage. How do I know whether these are genuine concerns or just fear of commitment?

Edit 1/Update : Sorry not good in writing things on reddit so please tolerate me. She is okay in cutting ties with her ex. Also people mentioned I am too afraid: this is true, i am not sure how people become sure as this is a lifelong decision. I am pessimistic, introvert and reserved by nature and she is not. Can you please suggest about financial thing : whether it is a problem or not I earn around 5l per month before taxes : not sure whether this is fine with this subreddit guidelines to post it.