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u/biigdreamer

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▲ 3 r/coffeeindia

mane 1 week se subha subha black coffee pina suru kara hai kyuki bahut logo nae iske kafi benifts bataye, reels par bhi dekha mane,lekin ab mae jab chatgpt se puch rha hu toh usme muje kuch accha reason nhi mil rha isse continue karne ka…yh sahi mae health mae benift karti hai ya nhi??

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u/biigdreamer — 19 hours ago
▲ 5 r/MutualFundSpendInvest+1 crossposts

Is this the best way to invest ₹25K/month as a 24-year-old beginner?

Hey everyone,

I’m 24M and completely new to mutual funds. I’m planning to start investing ₹25,000/month through SIPs for long-term wealth creation.

I’ve done some basic research and came up with this portfolio:

  • UTI Nifty 50 Index Fund – ₹8,750 (35%)
  • Parag Parikh Flexi Cap Fund – ₹7,500 (30%)
  • HDFC Mid-Cap Fund – ₹6,250 (25%)
  • Nippon India Small Cap Fund – ₹2,500 (10%)

Total: ₹25,000/month

My thinking is:

  • 35% Nifty 50 as the core
  • 30% Flexi Cap for diversification/active management
  • 25% Mid Cap for additional growth potential
  • 10% Small Cap for higher-risk/higher-return potential

I’m investing for the long term (15–20+ years) and I'm comfortable with volatility because I'm only 24.

This is also my first ever mutual fund investment, so I’d really appreciate honest feedback.

u/biigdreamer — 3 days ago