Hi Redditor’s,
Please review my portfolio and let me know if i need to change anything
I am 29 and have a moderate to risky mindset,
Long term investor 15-20 yrs
My goal is long term wealth

Ppfc - 5k
Hdfc flexi cap - 5k
Bandhan small cap- 10k
Motilal midcap index 150 - 10k
Ici multi cap- 10 k
I selected these funds by analyzing reddit and various youtube podcasts and currently investing in groww
I have around 4.6lac in ici technology fund, not sure if i move that amount to something else or keep investing or keep holding.
Also is it a good time to invest currently in US market considering its at an high and we are seeing the AI bubble burst news

Looking forward for a valuable feedback.

Hello people,

I am 24M with a salary of 67k ,having 2.3 lakh in MF and ~50k in stocks,total savings I have is around 1.64 lakhs.

My montly SIP is 10k and I am planning to purchase a bike worth 3.4 lakhs.Out of 67k my monthly savings amount to 10-15k.

I was planning on stepping up my MF by 3k but in order to plan for my bike, (which I have been thinking to buy for a while now)

I am now planning on selling 1 lakh worth of MF and put in a little from my savings. Remaning would be loan.

Can you guys suggest me a better way to look at this from a financial POV?

Mutual funds are receiving record SIP inflows every month, and that steady flow of money is changing the way the market behaves.

As more capital moves into equity mutual funds, fund managers are forced to deploy larger amounts into the same set of listed companies, especially in large-cap and index-heavy portfolios. Over time, this can increase their ownership in many stocks and make mutual fund flows an important part of market liquidity.

Do you think India's mutual fund industry is becoming too large, or are we still far from that stage?

Hey everyone, just started working a few days ago and already managed to save around ₹10-15k from my first salary + side work. Feeling good about it but also completely lost on what to do next.

My dad's telling me to just put it straight into an FD, which is what he's always done and it's worked fine for him. I don't want to brush that off since it's clearly kept our family financially stable, but I also have this nagging feeling that there might be better options for someone starting out at my age, I just don't know enough to say for sure.

i have lots of doubt like, Is FD actually a bad idea for someone in their early 20s, or is it a safe starting point? What's the difference between just dumping money in an FD vs starting a SIP? Should I even be "investing" ₹10-15k or is that too small an amount to bother with? Where do people actually learn this from scratch? Every video/blog assumes I already know terms like NAV, expense ratio, asset allocation etc. Should I build an emergency fund first before thinking about any investments? Also where to set asied emergency fund amount?

Actually I don't have any idea about investment and don;t even know where to start.

I'm not trying to get rich quick or chase anything risky, just want to actually understand how money should work for someone in their first job, and build the right habits from day one instead of figuring it out the hard way later.

If you were in my shoes right now, what would be the first thing you'd do with this money?

With 40+ fund houses to choose from, multiple small cap funds and various different strategies of each fund house, isn't it difficult to choose one small cap fund?

But I am curious to know on what basis would you choose one and only one small cap fund if you had to stay invested it in forever?

After a few weeks of underperformance, IT stocks staged a strong comeback today. One of the key reasons was the fall in crude oil prices, which improved overall market sentiment and reduced concerns around inflation. When oil prices decline, investors often become more optimistic about economic growth, and sectors like IT can benefit from renewed buying interest.

For mutual fund investors, this raises an interesting question. If you hold flexi-cap, large-cap, or index funds, chances are you already have decent exposure to IT. But if you're investing in sectoral or thematic funds, today's rally might make you wonder whether it's time to increase your allocation—or whether this is just a short-term bounce.

Personally, I'm trying to avoid making decisions based on a single day's movement.

What would you do?

I will be turning 23 years soon and I am keen on learning one financial habit that I should start. It would be a gift for myself. I am not financially independent yet so want to work on that journey.

What is one financial advice would you give a soon to be 23 years old?

Need to park a significant amount of funds for my parents for the next 2–3 years as they’re approaching retirement. The primary objective is capital preservation while gradually increasing equity exposure in a measured way before they start drawing from the corpus.

The strategy I’m currently considering is to park the money in an arbitrage fund initially and then set up a daily or weekly STP into a combination of Multi Asset Allocation Funds and Balanced Advantage Funds over the next couple of years.

Does this seem like a sensible approach?

A few questions:
Is arbitrage the best place to park the money before the STP, or would you consider something else?
Would you choose daily or weekly STPs, and why?
What split would you recommend between Multi Asset Allocation Funds and Balanced Advantage Funds?

Would appreciate any feedback or suggestions from those who have implemented a similar strategy.

This morning, my mom asked me whether she should redeem ₹10k from her mutual funds because she needed some cash.

When I asked why she had invested in those funds in the first place, she didn't know. She had bought them through her bank because the staff suggested them (probably to meet their mutual fund sales targets).

No one explained:

• What her investment goal should be.
• How long she should stay invested.
• When it's actually okay to withdraw.

That's the sad part. Selling mutual funds is easy. Helping people understand why they're investing and how to use those investments is much harder.

Mutual funds aren't just products to sell—they're tools to achieve financial goals. Without that context, many investors end up confused when they actually need the money.

Has anyone else seen this happen with their parents or relatives?

I'm F20 and I want to start investing . any advice like which one should I start and I checked groww and I cant understand anything. can anyone explain me where to start.

I’m planning to invest 2 L per month through SIPs. Planning to invest in 4-6 good funds. 60% in equity and rest debt/ hybrid funds. I contacted a local financial planner and he proposed me a good plan. He will advise, track and help me in switching funds if needed. I can also track my portfolio through his companies software and app. But all the plans will be ‘regular’ and his commission will also be there. I’m also looking to invest in direct funds as an alternative as there will be a huge difference in the profits in long term due to less expense ratio. Help regarding which platforms to use to buy funds especially when we invest large amounts.

Hey guys, I'm a college student looking to start investing whatever little I can save from my monthly pocket money (usually around 5k).

I was checking out apps to start a mutual fund SIP and saw that a lot of them offer a daily SIP option alongside the regular monthly one. Daily sounds like it would handle market ups and downs better since it invests every single day, but I'm not sure if it's actually worth it.

Also how easy would it be to sell the investments if i need cash for travel or other expenses?

Hi Redditor’s,
Please review my portfolio and let me know if i need to change anything
I am 29 and have a moderate to risky mindset,
Long term investor 15-20 yrs

Uti nifty next 50- 5k
Ppfc - 5k
Hdfc flexi cap - 5k
Bandhan small cap- 10k
Motilal midcap index 150 - 10k
Ici multi cap- 10 k

I have around 4.6lac in ici technology fund, not sure if i move that amount to something else or keep investing or keep holding

Looking forward for a valuable feedback.

Hello everyone, I am a beginner and I don't know how to find the best mutual funds with the highest returns with some degree of credibility. I am willing to invest 25k to 30k a month in sips and I intend to stay invested for a time more than 15yrs. Kindly guide me how I can learn about investing in mutual funds and how to find the appropriate funds for me.

Hey everyone,

I've recently increased my SIP to 90k and restructured my portfolio.

The idea was to diversify the entire allocation while maintaining my goals of long-term investment, growth, and stability. The investment horizon is 8-10 years, and the risk appetite is balanced.

Kindly help me with very honest feedback and review on my SIP portfolio allocation. You can roast the allocation as well 😉

Below is the allocation split -

https://preview.redd.it/4jh7wh8z3m9h1.png?width=1260&format=png&auto=webp&s=aabe4767834f3980e0929386d9d32d3dac3e34d2

Thank you!

I made 3-4L of money recently apart from my salary, where should I invest.

I am 28 years old and I don't have any savings and I want this to be my safety net or long term savings.

I'm open to buying us stocks, etfs, nifty etfs, mutual funds, gold, futures or long dated options etc...

Or crypto as well.

Kunal Shah being appointed as WhatsApp CEO is an interesting move.

A fintech founder leading the world's largest messaging platform makes me wonder if Meta plans to push WhatsApp deeper into payments, commerce, and financial services.

WhatsApp already has the user base. If payments become more integrated into chats and business interactions, could it become a serious competitor to PhonePe and Google Pay?

Or is changing payment habits much harder than acquiring users?

What do you think?