u/Intelligent_Pen2455

Hi y'all

My sibling (21) is planning to sip Rs.30k/month.

I'm planning on suggesting this breakdown(aggressive),

the cash won't be needed anytime soon i.e., more than 10yrs horizon;

Ppfc 5k

Uti nifty50 5k

Mot midcap 5k

Hdfc midcap 5k

Bandhan small cap 5k

Tata Gold etf 5k

I'm a beginner and picked some of these as they seem to be popular on reddit.

Selected Motilal midcap as it's concentrated and hdfc one is more diversified with minimal overlap between both.

App: Currently has Groww, advising him to go for zerodha

Your thoughts will be appreciated