26 YO Portfolio - Need Review
Risk Appetite: Aggressive
Goal: Retirement Money
Horizon: Long Term
App Used: Groww
Why These Funds:
I wanted to make sure I get high returns with small cap but balance it with flexi cap.
ICICI Prudential Technology Direct Plan Growth -
Did 10 SIPS of 4000 each back in 2022 based on suggestion from a friend since I did not know much.
Parag Parikh Flexi Cap Fund Direct Growth - 3000, 2000, 2000
Quant ELSS Tax Saver Fund Direct Growth - 3000, 2000,
Quant Small Cap Fund Direct Plan Growth - 4000, 2000, 2000
Started these SIPs for 3 months
I sold a bitcoin investment that I had done so with that I invested in Axis Small Cap Fund Direct Growth - 21,500
Then again continued
Quant ELSS Tax Saver Fund Direct Growth - 2,600
Quant Small Cap Fund Direct Plan Growth - 2,600
Axis Small Cap Fund Direct Growth. - 2,600
This was the inconsistent part.
Then from Feb 26 to Jun 26
HDFC Flexi Cap Direct Plan Growth - 22,000
HDFC Small Cap Fund Direct Growth - 10,000
Could not invest for July and August due to an emergency.
My concern is that the XIRR is a bit low for the total investment.
Is there a change I need to do or should I just hold? My risk profile identified is Aggressive.