u/DenseShine6353

Hi everyone,

I’d appreciate a review of my current SIP portfolio and overall allocation.

Background:

• Investing via SIP for the past 2 years.
• Planning to continue for another 8 years (total horizon: ~10 years)
• Goal: Retirement
• Risk appetite: Aggressive
• Platform: Coin by Zerodha

Current Allocation:

The total monthly SIP amount is 90k.

• Zerodha Nifty LargeMidcap 250 Index Fund – 16.25%
• Helios Flexi Cap Fund – 16.25%
• Quant Small Cap Fund – 8.125%
• Bandhan Small Cap Fund – 8.125%
• Tata Nifty Midcap 150 Momentum 50 Index Fund – 16.25%
• ICICI Prudential NASDAQ 100 Index Fund – 15%
• Zerodha Gold ETF FoF – 10%
• Aditya Birla Sun Life Liquid Fund – 10%

Reasoning:

LargeMidcap Index: Core allocation for broad market exposure. Want to avoid specifically largecap fund. Trusted amc.

Flexi Cap: Active management across market caps for adaptability. Impressed with Sameer Arora philosophy.

Momentum Index: Factor-based investing to capture outperforming stocks. Trusted amc.

NASDAQ 100: International diversification + exposure to US tech. Icici has been always good amc.

Small Caps (Quant + Bandhan): Higher growth potential (accepting higher risk). These funds follow different investment philosophy.

Gold ETF FoF: Hedge against market downturns/inflation Liquid Fund: Stability + dry powder for rebalancing/opportunities (moving to equity on 10%+ corrections)

Questions:

1. Is this over-diversified or reasonably structured?
2. Too much overlap between funds?
3. Small-cap allocation okay for aggressive profile?
4. Any funds you’d replace or remove?
5. Does this align well with a 10-year retirement goal?

Open to blunt feedback—would really help refine this further.

Thanks in advance!