Hi, Age 28, married, investing ₹1.2L/month, long-term horizon (10–15 yrs), aggressive risk appetite.
Risk Appetite - aggressive
Goal -
Long term wealth creation.
Emergency fund - 10 lakh around.
Horizon - 10+ years
Allocation -
Current:
Large Cap: UTI Nifty 50 Index Fund Direct Plan Growth
Small Cap: Nippon India Small Cap Fund Direct Growth
Planning to add:
Flexi Cap: Parag Parikh Flexi Cap Fund Direct Growth
Mid Cap: HDFC Mid-Cap Opportunities Fund Direct Growth
Emergency Fund: ICICI Prudential Liquid Fund Direct Growth
My planned split (₹1.2L/month):
UTI Nifty 50 – ₹30k
Parag Parikh Flexi – ₹30k
HDFC Mid Cap – ₹20k
Nippon Small Cap – ₹20k
Liquid Fund (Emergency) – ₹20k
Why These Funds -
Large Cap (Index) – Low-cost, stable core of the portfolio
Flexi Cap – Dynamic allocation across market caps + diversification
Mid Cap – Higher growth potential than large caps
Small Cap – Aggressive allocation for long-term wealth creation
Emergency Fund (Liquid) – Safety, liquidity, and quick access to cash
App Used - Hdfc Securities
Is this allocation balanced for aggressive profile?
Any better mid cap / flexi / liquid alternatives?
Any suggestions on 1.2 lpm split considering below mentioned note.
Note -
I don't have any loans.
Apart from this I also invest 1.5 lpa in ppf.
I have kept 60K for expense, part of this goes for ppf, groceries, trips, bills, etc.
From next year (August, 2027), I'll be able to contribute 70K per month more. But, I'm thinking to park majority of this chunk in liquid, for short term goals (car, or land in hometown) + planning a child in a year or two.