u/Plastic-Humor7561

My risk appetite is Moderate.

Current age - 25

I want to invest for a horizon of minimum 10-15 years with minimum 15% returns to have a stable retirement. This is my portfolio.

I aim to invest atleast 50k per month with the following breakup -

Arbitrage - 25k

Small cap - 12.5k

Mid cap - 12.5k

I am currently doing an STP for moving funds from liquid to Arbitrage as liquid does not help my tax bracket.

Additionally i want to build my safety net in arbitrage upto 2L post which I will allocate most of my investment in small and mid cap. Even though I have invested in PPFCF, I am not longer continuing it. Apart from this, 12% of my base income also goes into EPF.

Open to feedback and reviews!