Rebalancing a conservative ₹10L portfolio into growth (Planning ₹1L/mo SIP + Liquid STP)
Hey guys,
Due to market fear, I ended up heavily over-allocating my investments into safe debt and conservative hybrid schemes.[1] Out of my current ₹10.13 Lakh portfolio, nearly 78% is sitting in low-yield fixed income or "equity savings" buckets. I've finally realized this "debt drag" is going to severely hurt my long-term wealth creation.[2]
I want to transition to a growth-oriented setup systematically. Here is what my portfolio looks like today:
Edelweiss Liquid (Direct): ₹2,58,221
Edelweiss Aggressive Hybrid (Direct): ₹2,37,842
ABSL Short Term Direct: ₹1,66,319
Edelweiss Equity Savings (Direct): ₹1,59,105
ABSL Liquid Direct: ₹1,21,000
(I have invested in other equity funds as well but above is almost more than 80% of my current investment)
I almost have more than 6 lakh which I want to move, I want to invest in different funds house so I am confused what strategy to use
This is my plan going forward - SIP
Hdfc flexi fund - 50k
HDFC mid cap - 25k
Bandhan small cap - 20k
Edelweiss US tech - 5k
I can invest 80-90k from my salary and from my current liquid funds I can invest 40k monthly which makes it almost 130k.
Should I invest 130k?
What strategy do you suggest?
Also since I am planning investment in hdfc, should I move all my liquid funds to hdfc liquid and start STP or should I keep redeeming 40k monthly which I will invest in hdfc funds.
Please suggest your opinions, thanks.