▲ 14 r/IndianMutualFunds
Profile review
Risk Appetite: Moderate (as per risk profiler).
Investment Goal: Long-term wealth creation and retirement. I want to build a corpus before returning to India.
Investment Horizon: 10–15+ years.
Monthly SIP (₹12,000):
- HDFC Nifty 50 Index Fund – ₹5,000 (41.7%)
- Parag Parikh Flexi Cap Fund – ₹2,000 (16.7%)
- Nippon India Growth Mid Cap Fund – ₹1,000 (8.3%)
- LIC Small Cap Fund – ₹1,000 (8.3%)
- Mirae Asset Gold & Silver Passive FoF – ₹1,000 (8.3%)
- Aditya Birla Sun Life Liquid Fund – ₹1,000 (8.3%)
- JM Large Cap Fund – ₹1,000 (8.3%) (planning to stop due to overlap with the Nifty 50 Index Fund)
Platform: Groww.
Why these funds: I'm a beginner and chose these based on long-term performance, low costs, and recommendations from online resources. I wanted a diversified portfolio with exposure to large-cap, flexi-cap, mid-cap, small-cap, gold, and liquid funds. I'm now looking for feedback on improving the allocation and whether adding 5–10% in Wint bonds would make sense for my moderate-risk portfolio.
u/No_Essay_3897 — 6 days ago