u/Remarkable_Event_260

Hi everyone,

I've been investing in mutual funds for about 1.5 years now. My overall XIRR is around 6.5%.

Risk Appetite: Mid to High

Goal: Long-term, I need 1 crore by next 10 yrs

Investment Horizon: 10 for one goal, then 15+ to compound it for a retirement plan

Current Allocation:

• Equity Funds: 80.3%
• Index Funds: 16.6%
• Gold FoF: 1.7%
• Domestic FoF: 1.3%

Current XIRR: ~6.5% (investing since last 1.5 years)

Platform Used: PhonePe

Why These Funds: I choose most because of their past return, gold and silver in FOMO

Should I add another asset class to improve diversification or simply continue increasing my existing equity allocation?

I'd really appreciate feedback from experienced investors. If this were your portfolio, what would you change and why?

I'm leaning towards applying for the CSM Technologies IPO, but I'll probably make the final call on 29 June after seeing the Day 3 subscription numbers.

QIBs already participating, I'm curious to see whether Retail and NII follow through.

Would love to hear from experienced IPO investors here

does this approach make sense, or is there anything else I should be looking at before taking the final call?