Need suggestions on restructuring personal investments 💰

I am 22, and I'm going to be 23 this November. Just got into my 1 job. I am determined to invest about 45k per month. (Includes funds for short term goals too, like an international trip once a year) Out of which I am already investing 12.5k in ELSS funds. Now I am confused about what remaining portion of my amount should I invest in stocks vs other MFs. Please help me out here. A bit about myself. I am open to taking risks. Looking for long term investing.

Is this over diversification? Age:22 Nifty50 ETF: 20% Sensex ETF: 20% Nasdaq: 20% Nifty Next 50: 20% Nifty 50 EQL W: 10% Small Cap Fund: 10% Emergency fund, gold and bonds are separate, please suggest a better approach.

Every month my salary gets credited I barely spend 20% of it the rest of it is just sitting around in my bank account it's already above 5L. I keep thinking of investing it in stocks/mf but it's a lot of work 😔 What do you guys do with your salary, it would be great if you can share your investment strategy and how do you keep yourself motivated to stick to it

This is the current state of my portfolio, I've been doing an SIP of 60k per month for the last 3 yrs. I want to increase my SIP to 1 lakh. I have a few questions. I won't be having any big expenses for the next 4 years. 1. It's mostly a large cap right now (80%), how do I distribute this extra money and rebalance the current money, do I need to book this profit and put lumsum after somewhere as well? 2. How do I get educated on this more, any sources will be appreciated.

Hi guys, I have around 4L cash lying around which I wanted to invest. Currently, I think I am in a position to take maximum risks, and see where things go. I also haven’t redeemed the 1.5L tax deduction on Section 80c so PPF and ELSS are open as an investment opportunity. I was worried to invest in the current equity markets. Have just put in around 6.5L into Equities in December (Split equally amongst Large, Mid, Small and Flexi Cap) Needed advice on which seems a better option: - Put 1.5L in PPF and the rest in Large Cap MFs since Large Caps haven’t peaked yet - Distribute the 4L over the next year (~33k/month) and invest it in a SIP to account for market changes - Put the entire amount into equities (1.5L ELSS, 2.5L Large Caps) Also, needed advice if it’s better to look for a Real Estate or SGBs Investment to diversify risk? (<25 yo right now so can take a property around 40-50L to test the waters) What are your views on the current market? I’m planning to continue investing a significant chunk (~50% salary) into SIPs all through. Should I reconsider?

It's been close to a year since I am earning a salary and this is what I do: 1. Invest a little less than 30% straight into MFs. I have three ongoing SIPs- small cap, flexicap and a Large + Midcap fund. (Planning to increase the amount further into these and not start a new sip) 2. Max out 80C by putting the entire limit in PPF, this is on top of what is by default deposited into EPF. 3. A little (inconsistently) into direct stocks as and when I find or get to know about a decent trade opportunity. 4. An LIC ULIP plan that my father made me subscribe to 🙂 (hopefully will end in a couple more years) Tips from experienced folks will be much appreciated.😄

Looking for suggestions or recommendations for investing an amount of 20k per month. Note: This is not my total income. This is what I have to spare and live a comfortable life. Confused about going with mutual funds or SIPs or NPS or PPF or FDs to r RDs etc.

I have these active investments as MF monthly SIP. The percentages are the percentage of money invested out of my total monthly investment. Any changes needed here?

Please evaluate my monthly equity SIP allocation and suggest any changes. Monthly in-hand salary (after tax): ₹2.6 lakh Age: 23 Monthly Mutual Fund SIP: - Total: ₹91,000 - Axis Small Cap: ₹5,000 - Axis Mid Cap: ₹10,000 - Parag Parikh Flexi Cap: ₹28,000 - ICICI Prudential Nifty 50 Index: ₹32,000 - Motilal Oswal Nasdaq 100 FoF: ₹16,000 The rest of my salary goes towards expenses, FDs, NPS, P2P investments, etc. I am also accumulating wealth in short-term investment products for a down payment as I plan to invest in a house next year (for rental income). Not willing to withdraw from mutual funds at least for the next 6-7 years, maybe even 10 years. Should I shift my mid-cap/small-cap SIPs rom Axis to Quant due to the hype around Quant AMC these days?