u/cricket-tail

Have used Arbitrage funds to park the FD money for better LTCG taxation for SPOUSE as she is pretty risk averse...

38 M and 37 F ....this is the SIP based portfolio we have gathered over the years....have surplus 4L available each month for additional SIPs too that we need to think through on where to invest.

My risk apetite is high, for my spouse it is moderate. i use kuvera for all my mutual funds for last 10+ years. The larger goal is retirement corpus cum wealth building...Overall net worth including real estate today will be close to 11 Cr . There is no immediate need of money anytime in next 20 years or so. Our monthly expense would be around 1L including Kids fee..We have enough emergency funds to sustain us even if both of us loose our primary jobs for extended period of 12M + . Health insurance is something we haven't taken yet except for the 50L super top up...

Would love to hear your views on the portfolio and changes to the SIPs that can best suit us.

Her Portfolio snapshot

Her Monthly SIP

His Portfolio snapshot Self

His SIP

Total Family Net worth Snapshot

I’m looking for some opinions on my mutual fund portfolio and SIP allocation.

The current portfolio is around ₹1.43 Cr:

HDFC Mid Cap: ₹27.35L

Parag Parikh Flexi Cap: ₹26.56L

Tata Arbitrage: ₹22.89L

Navi Nasdaq 100 FoF: ₹14.70L

Navi Nifty 50 Index: ₹14.03L

Quant Small Cap: ₹8.96L

Remaining ~₹28L across Tata Digital India, Motilal Oswal Nifty 50, Motilal Oswal Nasdaq 100, Tata Banking & Financial Services and Gold funds.

Current monthly SIP: ₹2.15L

HDFC Mid Cap: ₹55K

Parag Parikh Flexi Cap: ₹65K

Quant Small Cap: ₹40K

Navi Nifty 50: ₹20K

Edelweiss Gold & Silver ETF FoF: ₹35K

I’m considering changing the SIP allocation to:

Navi Nifty 50: ₹1L

Parag Parikh Flexi Cap: ₹50K

HDFC Mid Cap: ₹35K

Quant Small Cap: ₹15K

Gold/Silver: ₹15K

I would stop SIPs in the thematic funds and the duplicate Nifty/Nasdaq funds, but not necessarily sell the existing holdings.

Investment horizon is 20+ years. I’m not looking to time the market and would prefer a relatively simple portfolio.

Questions:

Does the new SIP allocation make sense given my existing portfolio?

Am I still taking too much mid/small-cap exposure?

Should I continue PPFAS at ₹50K or increase/decrease it?

Is ₹15K/month into gold sufficient?

Would you make any changes to the existing ₹1.43 Cr portfolio, or simply rebalance through future SIPs?

For a 20-year horizon, what would you consider a realistic XIRR expectation for this portfolio?

Would appreciate views from people who have managed a similar-sized portfolio for the long term. Especially interested in what you would do differently, rather than generic advice like “diversify more.”

I recently went through the process of understanding EPF housing withdrawal under Para 68B and had a specific question that I could not find a clear answer to anywhere: if your withdrawal is fully tax-exempt (5+ years of continuous service), do you still need to report it in your ITR?

After digging into this, here is my understanding. Would love the community to verify or correct this.

v No, you do not need to report it in your ITR.

Under Section 10(12) of the Income Tax Act, EPF withdrawals after 5 years of continuous service are fully exempt. Since it is not taxable income, it does not go into any income schedule in your return. No TDS is deducted either, so nothing shows in Form 26AS.

**The one thing to watch out for:** It may still appear in your AIS (Annual Information Statement) as a financial transaction reported by EPFO. This does not mean you owe tax. If your ITR portal flags a mismatch, you just mark it as exempt income in the AIS feedback step and that is it.

**My situation for context:** EPF balance of around 36 lakhs, service history starting 2015, housing withdrawal under Para 68B(1)(bb) for purchase of a flat.

Has anyone else been through this recently? Specifically curious if the AIS entry caused any issues during processing or if there were any notices from the department despite the exemption being valid.

I recently went through the process of understanding EPF housing withdrawal under Para 68B and had a specific question that I could not find a clear answer to anywhere: if your withdrawal is fully tax-exempt (5+ years of continuous service), do you still need to report it in your ITR?

After digging into this, here is my understanding. Would love the community to verify or correct this.

v No, you do not need to report it in your ITR.

Under Section 10(12) of the Income Tax Act, EPF withdrawals after 5 years of continuous service are fully exempt. Since it is not taxable income, it does not go into any income schedule in your return. No TDS is deducted either, so nothing shows in Form 26AS.

The one thing to watch out for: It may still appear in your AIS (Annual Information Statement) as a financial transaction reported by EPFO. This does not mean you owe tax. If your ITR portal flags a mismatch, you just mark it as exempt income in the AIS feedback step and that is it.

My situation for context: EPF balance of around 36 lakhs, service history starting 2015, housing withdrawal under Para 68B(1)(bb) for purchase of a flat.

Has anyone else been through this recently? Specifically curious if the AIS entry caused any issues during processing or if there were any notices from the department despite the exemption being valid.

I finished Atomic Habits about 4 months ago. Highlighted it, took notes, told friends about it. Felt like I really got it.

Last week I tried to recall the key frameworks from memory no book, no notes, just what actually stuck. Here's what I got:

Remembered

- The habit loop (cue, routine, reward)

- "1% better every day"

Forgot

- The 4 laws of behaviour change (could only name 2 of 4)

- Implementation intentions (completely blank)

- Habit stacking (remembered the concept but not how to do it)

- The Goldilocks Rule (had to Google what this even was)

So out of the 6 core frameworks I highlighted, I actually retained 2. That's a 33% retention rate on a book I thought I "knew".

I've been doing daily 5-minute reviews since then. Same test 30 days later : 5 of 6. One month of 5-minute reviews did more than 4 months of "I read it."

Has anyone else actually tested what they remember from books they've read? The results are humbling.

ऊपर से खबर आई है कि आज मौसम पूरा बवाल काटै के मूड मा है। तेज आंधी, झमाझम बरसात अउर बिजली अपनी पूरी फौज लेके मैदान मा उतर चुकी है।

अतः समस्त जारन से निवेदन है कि अपने-अपने सामान का बंदोबस्त कर लें। जेम्स लोग बेवजह सड़कन पर टहलै न निकलें। कलेक्टर लोग छत पर पड़े कपड़ा, गमला, बाल्टी अउर बाकी सारा सामान तुरन्त समेट लें।

जौन लोग बाहर निकरै का सोच रहे हों, उ अपने जिम्मे निकरैं। बाद मा "हमका पता न रहा" वाली दरखास्त मंजूर न होई।

अंत मा बस इत्ते कहब:

झाड़े रहो कलेक्टरगंज! भीगे रहो परेड!