M29 , Single Earner - Married -
monthly take home - 2.6L
planning for Car(10L) + House down payment (20L , loan 70L )
Monthly SIP -
MF - 30K in small caps
Ind Stocks - Nifty junior ETF - 50K
US Stock - 50K
Current Networth breakdown -
Stock - 9L
mutual fund - 25L
EPF - 12L
BANK - 8L
Current Mutual fund Portfolio allocation :
Overall - 22.5 lakhs (Invested 20 lakhs) , 7% XIRR, 3+ yrs
( Only Quant small and Nippon Small Cap fund)
Need suggestions for restructuring the SIPs:
ongoing SIPs - Nippon small (15k), Quant small (15k)
New SIPs - Nifty Junior Bees ETF ( 20K), PGINVIT (5K), IRB INVIT (5K)
my monthly savings ~ 1L, in Tier1 city. I am thinking of Grand Vitara which costs 14L .
Should I -
Pause and start SIP way to buy it in next 3 years ?
Go for a lower variant - Fronx , around 9L. ?
I don't have much savings now, should I take the full loan with minimal Down payment ?