r/India_Investments

I’m 30F, currently earning around **₹2.2 lakh/month in-hand**, and I have a total corpus of roughly **₹70 lakh**.
For most of my 8-year career, I honestly invested quite mindlessly. I put money into mutual funds, FDs, IPOs, stocks, gold funds etc. without really understanding asset allocation or having a proper investment strategy. It worked reasonably well for some time, so I never really questioned it.
But over the last couple of years, I’ve become much more conscious of what I’m doing. Seeing parts of my portfolio sitting in the red has made me realise that I don’t actually have a proper investment plan.
So I’m looking for some perspective on **how I should structure my ₹70L corpus going forward**, rather than asking which particular stock/fund I should buy.

**Current situation**
I manage investments through both my demat account and my mother’s demat account. For the last couple of years, I have mostly been investing through my mother’s account, while my own account has around ₹20L currently sitting there/invested.
**Mutual funds:**
My account: invested around **₹10.85L**, current value around **₹13.90L**
Mother’s account: invested around **₹15.76L**, current value around **₹16.50L**
A lot of this is in **Parag Parikh** and some gold mutual funds. I kept adding to Parag Parikh because it had given me decent returns earlier, without really thinking about overall diversification or whether I was already putting too much into the same thing.
**Stocks:**
My own account: around **₹16K invested**, current value around **₹27K**.
Mother’s account: around **₹3.07L invested**, current value around **₹3.13L**.
I started experimenting with stocks/IPO investing about 8 months ago, but stopped after a couple of months because I realised I wasn’t knowledgeable enough to be doing it. A lot of this was basically random IPOs, small/mid caps and other things I picked without a proper strategy.
**FDs:**
I currently have around **₹21L in FDs**.
For a long time, I kept hearing that equity/mutual funds are the way to go and that keeping too much money in FDs is inefficient. But right now, FDs are the part of my portfolio that feels the most predictable, which has made me question whether I’ve been approaching investing incorrectly.
**Physical gold:**
I also have around **₹2–3L worth of physical gold**. I don’t really intend to sell this, so I consider it separately from the money I can actively invest.

I’m also aware that some of my past decisions weren’t great. I’m not looking for criticism. **I know I was investing without a proper plan.** That’s exactly why I’m asking now.
I want a **sensible, diversified, relatively low-maintenance portfolio that I can stick with for the next 10–15+ years**.

Would really appreciate perspectives from people who have been in a similar situation and, especially, how you would structure this ₹70L from scratch if you were in my position.

Brought, 5 shares of SBI FUND MANAGEMENT for 500 each today, is it worth holding for long term benefits?

Also, thinking of buying HDFC BANK 5 shares, at what price range should I buy it. I'm thinking of buying at 700. Lemme know for your opinion.

I have an MF portfolio of around 1.5L and my risk profile is moderately aggressive.

Hi all, fairly new to actually managing real money and want to get this right from the start.

Quick background:
23M, working as a DevOps Engineer, based in Bangalore.
transitioned from intern to full time in August this year.
no EMIs or loans currently, and don't expect any for at least the next several months.

monthly take home is around 60k

regular expenses - rent, fuel, occasional travel back home, eating out - after all this i can comfortably set aside 20k/month

The situation:
i just got my joining bonus and have 2.5-2.7 lakh ready to invest as a lumpsum. no immediate liabilities so this is genuinely free capital right now.

Risk appetite:
i'm okay with aggressive/high risk investing for a portion of this, happy to mix high risk mutual funds with more stable ones, especially for the 20k/month i'll be investing going forward.

What i'm looking for advice on:

what's the best way to deploy the 2.5-2.7L lumpsum - straight lumpsum into equity, STP from a liquid fund into equity over a few months, or some other approach given current market conditions.

for the 20k/month going forward, how should i split this across high risk (smallcap/midcap/sectoral) vs stable (index funds, largecap, debt) options

any specific fund categories worth looking at for someone comfortable with aggressive risk at this stage of life (23, no dependents, no liabilities)

should any part of the lumpsum go toward non mutual fund instruments (PPF, NPS, etc) or should it be purely market linked given my risk tolerance

anything a first time investor in my position should be doing that i haven't thought of

Would really appreciate inputs from people who've been through a similar "first big investable amount + aggressive risk tolerance" situation.

Thanks in advance!

22, software engineer in India, currently earning 60k/month + 25k quarterly bonus. I have an education loan of 16L total (14.5L principal + 1.5L accrued interest) at 8% p.a., with moratorium till Jan 2028. I have no financial dependents, my father will be working for another 3–4 years, and in an emergency my parents can support me anytime. I also plan to avoid lifestyle inflation (as much as possiblke).

I currently have 46k invested, and plan to add 35k in Oct + 20k in Nov, taking the portfolio to 1L.

I’m comparing 2 strategies:

Plan 1 — SIP + Loan:
Pay 15k monthly toward the loan until Mar 2027, then 23k/month till Jan 2028; from Jan 2028 pay 32k/month, increasing 5% every 6 months. Start a ₹15k SIP from Jan 2027, increasing 5% every 6 months, assuming 10% CAGR.

Plan 2 — Debt First:
No SIP initially. Pay 30k to 32k/month till Mar 2027, then 40k-45k/month + 25k extra every quarter till Jan 2028. From Jan 2028 pay 55k/month, increasing 5% every 6 months. Once the loan is cleared, redirect the same cash flow into investments.

My salary may become 72–78k/month from Mar 2027 (internal hike), and I’m assuming I could switch before Jan 2028 and reach roughly 85-95k/month. (assuming)

The rough math suggests Plan 2 could make me debt-free around July 2029 and save ~1.3L in interest versus keeping the loan longer, but Plan 1 gives equity more time to compound.

What would you do in my situation: aggressively eliminate the 8% education loan first, or keep a SIP running while paying the loan? Also, how would you balance emergency funds vs prepayment given my family backup and expected salary growth?
Need serious advice