u/lizardKing2611

Age. 24

Risk Appetite: Aggressive

Investment Horizon: 15Y

Goal: FIRE when im in early 40s

Income: Stable Government Salary

Invested in lumpsumps till now, first invested in Nov. 2025.

App: Groww

SIP planned: 30k at first stepping up 10% capped at 60k (for now, may change the ceiling later) 50/25/25 split in PPFAS/midcap index/ Bandhan small cap

Why I chose these funds:

1. PPFAS - i heard many good things about this fund so chose it

2. Mo midcap and Bandhan small cap: based on past returns

3. I will put 50k in liquid fund and keep 50k in bank savings account. I have deliberately kept emergency fund less as my rent and food is covered.

4.Im planning to switch Mo midcap to mo nifty midcap 150 index after my units cross 1 y timeline to avoid exit load. So next sip will go to mo nifty midcap 150 index fund. Pls suggest about this

Pls suggest improvements if any 🙏