Are you still investing in Mid cap and Small caps

I've completed 1 year in my first job. I've tried saving and investing some money, help me decide what I can do better: Income: 22LPA PPF: 3 Lakh EPF: 2 Lakh MF: 5 Lakh Saving Account: 4.5 Lakh Income for new FY post increment: 29LPA I did these savings based on some advice from my elder brother. I'd like to spend more this year though, with some travel and going out more, maybe even purchase a scooty/bike and a PS5 😁 - would these expenses be justified? Apart from improving my savings & investments and still being able to afford a few luxuries, I want to know if I should get any of these: - Health Insurance - Only 5 Lakh cover from company for me and my parents (note - parents are getting old) - Life Insurance - Do we really need it, I'm still 24?

Have seen many people talking about mid/small caps in this forum. AMFI is suggesting investment managers to protect investors, in short “not a good time to start small, mid cap investments”.

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?

- Central Banks have almost achieved their objective of controlling inflation through tightened monetary policy. Though the CPI is inching lower, asset inflation is resurfacing through stock prices and real estate. - Many listed companies that came out with the quarterly numbers are nothing good to talk about. Growth and profits are subdued and for small and mid caps the numbers are decimated but the stocks are still trading at a historical premium. - Analysts will once again start downgrading the earnings forecast and that will start the downward momentum. Once again people will undergo the "Flight to Quality" effect. - No of Bankruptcies is steadily increasing - No of Job openings are trending lower - Most of the US listed firms that have borrowed at a lower interest rate in 2021 are coming up for renewals this year. By the time they refinance, they will be doing it at a higher interest rate which will impact their PAT as a result their EPS estimates will take a biting. - Gold looks attractive from a market cycle standpoint. My Recommendation: - Have an emergency fund for at least 6 to 9 months to cover your expenses. - Exit overvalued small and microcaps stocks. Move to a reasonably valued large cap. - Have health insurance for you and your dependents. - Move out of small cap mutual funds and have some allocation to debt funds. Let me know your thoughts. I hope 2025 turns out better.

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?

What’s the biggest financial mistake you’ve made in your life so far?

My portfolio. I have SIP with nifty 100 for the last 22 months. I am thinking of starting a midcap SIP. What do you suggest?

Can anyone suggest some good mid-cap and small- cap mutual funds to invest in? My goal is to grow my money. I am fine with high risk ones as well.