u/Technical_Car3811

I am not complaining on the delivery charges or the packing charges but on the GST levied on it.

Why do we have to pay GST on everything?

I mean even on the packing charges and all this for what. At this point it does feel something more than scam

Just was going through scheme document of ppfc when i noticed the difference in expense ratio as to what it shows in coin website. Attached image for reference

I’ve structured my portfolio with a clear role for each fund instead of just chasing returns.

Core (Stability / Anchor):

• UTI Nifty 50 Index: low-cost, consistency
• Parag Parikh Flexi Cap: active allocation + global exposure, downside protection

Growth Engine:

• HDFC Mid Cap : strong long-term track record, benefits from India’s growth phase
• Nippon Small Cap : high growth potential, captures emerging companies early

Global Diversification:

• Nasdaq 100 : exposure to global tech + USD hedge

Hedge & Opportunity:

• Gold (5%) : hedge against uncertainty
• Debt (10%) : dry powder for market corrections

Philosophy:

• Large cap + flexicap = anchor
• Mid + small cap = growth engine
• Keep it simple, stay invested, step-up SIP yearly

Risk / Horizon / Goal:

• Risk: Aggresive (okay with 30–40% drawdowns)
• Horizon: 15–20 years
• Goal: Long-term wealth creation / retirement

Would love feedback, especially on allocation balance and fund selection.