r/M1Finance

32-year-old newbie investor here looking for a portfolio review and some honest feedback.

### Investor Profile
- Risk Appetite: Moderate
- Goal: Long-term wealth creation and financial freedom through disciplined SIP investing
- Secondary goal: Diversification across Indian equity, international equity, gold, and liquid assets
- Investment Horizon: 10+ years
-App used - PayTM Money

### Current SIP Allocation (₹20,000/month)
- Nippon India Large Cap Fund – ₹7,500
- Edelweiss Mid Cap Fund – ₹4,500
- Bandhan Small Cap Fund – ₹2,500
- ICICI Prudential NASDAQ 100 Index Fund – ₹2,000
- Aditya Birla Sun Life Liquid Fund – ₹3,500

### Additional Investment
- Axis Gold Fund – One-time investment currently around ₹15K

### Current Portfolio Status
- Total Invested: ~₹1.05L
- Current Value: ~₹1.09L
- XIRR: 14.52%

### Why I Chose These Funds
- Nippon Large Cap: Wanted a stable core large-cap fund with strong historical performance
- Edelweiss Mid Cap: Seemed to offer a balanced risk-reward profile
- Bandhan Small Cap: Limited exposure to small caps with attractive past returns
- ICICI Nasdaq 100: For US exposure and international diversification through index investing
- ABSL Liquid Fund: For emergency/opportunity funds instead of idle savings balance
- Axis Gold Fund: Diversification and hedge against volatility

### Main Questions

1. Is my liquid allocation too high for my age and goals?
2. Should I rebalance more toward equity?
3. Any unnecessary overlap or weak fund choices?
4. Is the gold allocation reasonable?
5. Any suggestions for long-term optimization?

Would really appreciate constructive criticism and suggestions, especially from experienced long-term investors.

My m1 has never done this before. No slice is 0%, i don’t have multiple pies, i don’t use margin, i usually deposit once a week on Monday of $200 and it auto invest, but its saying there’s a sell order. I can’t cancel it, i can’t find the reason for the order, and i cant cancel the order.

I have 58 holdings, is that too much? Don’t plan to touch these anytime soon

What Should I Add To My First Pie I’m Going To Be Investing 200-350 each month also I’m 24 I’m in it for the long run but I do wanna see real quick growth or at least medium

Jobs not finished. Guys I’m here to say don’t get discouraged when you see others have a higher net worth than you do. I just hit 10k a few days ago. That’s a milestone from a guy who came from humble beginnings. With that being said,
Is there any way you would rearrange these contributions?

I would love feedback on my new sector breakdown (pic #2). The portfolio has shown improvement since the rebalance.

I’m fortunate to have been in the All Time Top 10 Market Beaters on Dub virtually every week… for almost 2 years now!

https://app.dubapp.com/portfolios/398978107432329216

58 too diversified for a Roth IRA?

Image 1 is my brokerage account and image 2 is retirement.

Currently investing $50/week into my brokerage and $10/week into my retirement (constrained by income).

This started off as a fun way to save and now that it’s growing I’m looking for general advice.

(3 pics) - Whenever you rebalance your portfolio — in this case, my Dub portfolio called Everest Growth Fund — there’s always a bit of anxiety. So far it looks like the rebalance is making a dramatic positive influence! You can check out Dub here:
https://app.dubapp.com/portfolios/398978107432329216

This is my Roth IRA, started late last year. Main goal is aggressive growth with a hedge against down markets with SCHD. Do you think there is too much sector overlap here? Im not afraid of a large overlap in tech since my goal is very aggressive growth, but wondering if you think its too much overlap

Details:

This makes up about 40% of my total invested assets. Remaining 60% is in ONLY broad market equity indexes, I treat this portfolio as my active sleeve where I can move a bit out on the risk curve but still aim to maintain disciplined broad exposure.

27 y/o; ROTH IRA so no tax on transactions allowing me to be nimble if needed.

Current positions growing over time:

NBIS, TOST

Trimming semis into this rally over the past few week. Have held exposure since 2022 and had withdrew twice my initial capital - maintaining exposure to participate in more upside but using as source of funds as it’s my belief the sector has become euphoric in recent weeks.

Roast my pie, rate my pie, give me any feedback.

I'm looking for general advice about how my PIE is looking like and how to improve it.

For example:

How I could shuffle the percentage of certain stocks/funds.

If my PIE is overlapping and if I should remove anything. I'm looking for overall specifics so if you suggest I remove one over the other I'd like it if you could specify why.

I invest $10 daily and am looking to drop in 3-4k.

(This is my first brokerage account)

Repost because I forgot to include the rest of the images.