u/Honest_Abalone_4466

I’m 29 years old and planning to start investing ₹40/month with a long-term horizon (10+years). My risk appetite is moderate, and I don’t expect to withdraw this money anytime soon.

Investing App :- Groww
Investing Goal :- Retirement and Wealth Creation

This is the allocation I’m considering:

Parag Parikh Flexi Cap – 25%

HDFC Defence Fund - 20%

HDFC Mid Cap - 15%

Bandhan Small Cap Fund - 15%

DSP India T.I.G.E.R Fund - 12.5%

HDFC Pharma & Healthcare Fund - 12.5%

Emergency Fund is prepared for a 6 month horizon.

Would appreciate any feedback on portfolio

I’m 29 years old and planning to start investing ₹50k/month with a long-term horizon (10+years). My risk appetite is moderate, and I don’t expect to withdraw this money anytime soon.

Investing App :- Groww
Investing Goal :- Retirement and Wealth Creation

This is the allocation I’m considering:

Parag Parikh Flexi Cap – 35%

HDFC Mid Cap - 25%

UTI Nifty 50 Index – 15%

Nippon India Small Cap – 15%

ICICI Multi Asset - 10%

Emergency Fund is prepared for a 6 month horizon.

The idea is to keep a balance between stability (Nifty 50 & Multi Asset), flexibility (Flexi Cap), and growth (Mid & Small Cap).

Would appreciate feedback on:

Whether this allocation makes sense for my age and horizon

If I should add/remove any category

Whether fund selection/AMC matters significantly here or sticking to top funds is enough