Risk appetite - Moderate . Invest via grow. Investment horizon is 10 years at least. Investing for retirement and wealth creation.
This is my investments. Kindly suggest should i continue or change.
I started with 5000 per month. Now it is 32000 per month. In the process i have invested in too many funds.
Thank you in advance.
My risk appetite is Moderate.
Current age - 25
I want to invest for a horizon of minimum 10-15 years with minimum 15% returns to have a stable retirement. This is my portfolio.
I aim to invest atleast 50k per month with the following breakup -
Arbitrage - 25k
Small cap - 12.5k
Mid cap - 12.5k
I am currently doing an STP for moving funds from liquid to Arbitrage as liquid does not help my tax bracket.
Additionally i want to build my safety net in arbitrage upto 2L post which I will allocate most of my investment in small and mid cap. Even though I have invested in PPFCF, I am not longer continuing it. Apart from this, 12% of my base income also goes into EPF.
Open to feedback and reviews!
Time Horizon - 7-10 years
Risk Appetite - Moderate to Little-Aggresive
Ur thoughts on it or should I change the ratio or some funds with any other fund ??
Risk Appetite: Moderate
Hi everyone,
I’ve recently started my first job and am currently earning around ₹47,000 per month.
I’m planning to invest ₹10,000 every month through SIPs. I’ve already started a ₹4,000 monthly SIP in Edelweiss Mid Cap Direct Plan – Growth, and I’m looking to invest the remaining ₹6,000 across two other mutual funds.
Which funds should I consider for long-term wealth creation? Also, since I’m quite new to financial planning and investing, I’d really appreciate some guidance on how I should approach investing and managing my finances going forward.
I’d love to hear your suggestions, experiences, and advice.
Thank you!
Hey folks! My risk appetite is moderate
I’m 20 and I want to start investing through SIPs. I was thinking of starting with:
₹4K — WhiteOak Multi Asset Fund
₹2.5K — Invesco Small Cap
₹2.5K — Bandhan Small Cap
₹3K — Bank of India Flexi Cap
₹3K — Quant Flexi Cap
Total: ₹15K/month.
I’m honestly not very sure about this allocation. My main goal is wealth creation, but I’ll also need some of the money in around 3 years, while the rest can stay invested for the long term.
Looking at this portfolio, I feel like it might be too risky, especially with two small-cap and two flexi-cap funds. I was wondering if I should instead allocate some amount to gold or international investments like VOO/QQQ or other foreign markets, possibly replacing the multi-asset fund.
I have basically zero knowledge about investing, so I’d really appreciate some guidance on how I should structure this ₹15K SIP. What would you recommend for someone my age with both a 3-year and long-term wealth-creation goal?
please review
risk : moderate
horizon 10+ yrs minimum
app angel one
monthly sip 16k
investing for retirement planning
funds chosen based on the popularity
what should be the ideal allocation ? please advise.
Tried building a balanced long-term mix. Be honest, did I overcomplicate it?
Risk appetite :- Moderate
Monthly SIP :- 20k with a 5k step up each year (step up amount is not confirmed)
Salary :- freelancing work, so it ranges from 70k - 1.2L pm, but with my day job I’m capable of adding 20k more, but currently I have some commitments.
Once my sip increases, should I start to invest in more funds or are these 4 enough ?
Investment horizon:- minimum 12 years.
I have these mutual funds in my portfolio. And invest around 40k per month with 10% step up . I'm looking to invest for long term.
I have aggressive risk appetite.
.Any suggestions and tips would be appreciated .
Risk Appetite: Moderate
I am planning to invest long term for about 15-20years. This is the first month investing. Pls let me know if I am on the right track. Took help from my well experienced Unc who gave me a few tips here and there. Just hoping if I could increase the money by 10+% every year
24, software engineer in India, ₹14L/year fixed salary.
**Risk Appetite:** Moderate per the survey (45% equity / 45% fixed income / 10% gold). For my 10-15 year money I'm comfortable with about 75% equity and can handle 30-40% drawdowns while continuing SIPs. For my marriage money I want low risk.
**Goal:**
Marriage corpus of ₹15-20L, with capital protection
Long-term wealth creation
**Horizon:**
Marriage: 3-4 years
Long-term: 10-15+ years
**Allocation:** SIP is going to be ₹55k/month, rising every year. Screenshot attached. [attach]
- Kotak Arbitrage Fund: ₹15k (marriage)
- UTI Nifty 50 Index Fund: ₹24k
- Nippon India Nifty Midcap 150 Index Fund: ₹16k
All Direct Growth.
**App Used:** [Groww]
**Why These Funds:**
- Arbitrage is low-volatility, so a market crash right before the wedding won't hit the corpus, and it's taxed as equity.
- Nifty 50 index is a cheap, simple core with low tracking error.
- Midcap 150 index gives growth potential over 10-15 years without active-fund fees or manager risk.
- I chose index funds to avoid overlap and fund-manager changes.
Is the ₹15k marriage SIP enough for a ₹15-20L goal? Should I change any fund or the split?