u/Unlikely-Brother5904

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Hi, am 46 years old investing since some time, current portfolio size of 11 L, doing monthly SIP of 23.5 K in below funds.

Goal- Retirement.

Wanted to get expert advice on whether fund selection is correct or not, whether to decrease or increase allocation in any existing or overlapping fund.

Risk appetite is aggressive, planning to invest for another 9 years.

Also have ppf of 3.5 L maturing in 2030, also doing sip in NPS of 2 K per month, planning to invest in powergrid InvIT as well shortly. Have stocks worth 1 L.

App used- Coin

Ppfas -4 K monthly sip for stability

MO midcap 150 index-6 K, for hassle free steady returns

Nippon India small cap-5 K for higher returns and the highest AUM fund in small cap.

SBI Gold-2 K for hedge against downside risk.

Nippon India multi asset fund-5 K

Edelweiss US technology- 1.5 K field international exposure and dollar appreciation.

Please review and need honest advice. Understand gold and multi asset is overlapping, then which one to stop or reduce allocation and where to allocate that amount.

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Hi, am 46 years old investing since some time, current portfolio size of 11 L, doing monthly SIP of 23.5 K in below funds.

Goal- Retirement.

Wanted to get expert advice on whether fund selection is correct or not, whether to decrease or increase allocation in any existing or overlapping fund.

Risk appetite is aggressive, planning to invest for another 9 years.

Also doing monthly sip of 1 K in bitcoin plus have ppf of 3.5 L maturing in 2030, also doing sip in NPS of 2 K per month, planning to invest in powergrid InvIT as well shortly. Have stocks worth 1 L.

App used- Coin

Ppfas -4 K monthly sip for stability

MO midcap 150 index-6 K, for hassle free steady returns

Nippon India small cap-5 K for higher returns and the highest AUM fund in small cap.

SBI Gold-2 K for hedge against downside risk.

Nippon India multi asset fund-5 K

Edelweiss US technology- 1.5 K field international exposure and dollar appreciation.

Please review and need honest advice. Understand gold and multi asset is overlapping, then which one to stop or reduce allocation and where to allocate that amount.

Hi, am 46 years old investing since some time, current portfolio size of 11 L, doing monthly SIP of 23.5 K in below funds.

Goal- Retirement.

Wanted to get expert advice on whether fund selection is correct or not, whether to decrease or increase allocation in any existing or overlapping fund.

Risk appetite is aggressive, planning to invest for another 9 years.

Also doing monthly sip of 1 K in bitcoin plus have ppf of 3.5 L maturing in 2030, also doing sip in NPS of 2 K per month, planning to invest in powergrid InvIT as well shortly. Have stocks worth 1 L.

App used- Coin

Ppfas -4 K monthly sip for stability

MO midcap 150 index-6 K, for hassle free steady returns

Nippon India small cap-5 K for higher returns and the highest AUM fund in small cap.

SBI Gold-2 K for hedge against downside risk.

Nippon India multi asset fund-5 K

Edelweiss US technology- 1.5 K field international exposure and dollar appreciation.

Please review and need honest advice. Understand gold and multi asset is overlapping, then which one to stop or reduce allocation and where to allocate that amount.

Hello all, have recently ported health insurance policy to HDFC Ergo Optima Secure family floater plan from Star Health, we are family of 2 members with no PED, have taken base cover of 10 L, which will 2X from day 1, wanted to know on below pointers, yet to get policy hard copy:

1. Critical illness cover

2. Came to know my no claim bonus of Star health will be added here, how to know its been added ?

3. OPD of spectacles and dental RCT, filling etc how to get them covered? Shall I need to take add on coverage?

4. Wait time for any disease?

Please reviewd.