Looks good. But if you're early in your career and have higher risk appetite, don't refrain from going deeper into mid cap and small cap (when the price is right) 
My 1 year IRR is almost 65-70%, because I went quite deep into those.

ofc - the last year has been an anomaly, I do expect those instruments to suffer in the coming months

Investment Associate

Makes sense, I will check that piece out. Thank you for your suggestions. 
  
 The app name is Wealth Grow.

Engineering Manager

Hello Folks,  Please rate and do share your feedback around my portfolio. Thank you.  Type  Monthly SIP Allocation  80% Equity, 20% Debt Duration  2 Years

Welcome to Personal Finance's Private Community

Hello Folks,

Please rate and do share your feedback around my portfolio. Thank you.

Type - Monthly SIP
Allocation - 80% Equity, 20% Debt
Duration - 2 Years

Please rate my MF portfolio (Bad, Good, Excellent)

Please rate my MF portfolio (Bad, Good, Excellent)- Grapevine

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.😄

How do you invest your salary?

Backend Engineer

Pls help evaluate my MF

Project Manager

Welcome to Fintech India's Private Community

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?

Review my monthly SIP of 91k

Software Engineer

Hi All, I have started SIP in below funds, If any financial gurus here can review and let me know if I'm on right path?

Quant Flexi Cap - 20k
Nifty 200 Momentum 30 - 10k
Nippon Liquid Fund - 5K
Motilal Oswal Microcap - 5k

Risk Apitite - High

MF Review

Consultant

Can someone review my SIP portfolio? I am attaching my all the active SIPs picture below. I'm 26 years old and I belong to economically poor class family ( I started working 2 - 3 years ago so now my family's economic condition is somewhat better)

Review my Mutual Fund SIP Portfolio

Product Engineer

I’m starting my first job this month, CTC-14L
I’m not sure but assuming I’ll get 80-90K in hand
Considering the job is in mumbai, the rent and other expenses would be high considering it to be 40-50K (pls tell how much it should be at max) 
Also how much taxes will I be paying and how to save it max
I really need your help, how do I start investing? Can I put all in Small cap MF, what would you advice? What should be the split between Stocks and MF, and in MF how much in which categories? 
Also it would be great if you can recommend the best 2-3 MF in your portfolio in each categories, and 5-10 stocks for Stock SIP for long term
Thank you so much 😭

First Salary Investing and Tax Saving| Really need your help

Please take a look and let me know your thoughts for a medium risk taker.
ABSL Nifty50 index  -    5k
axis Nifty Next50     -    5k
ABSL Nifty  Next50     -    5k
canara bluechip -    5k

quant large and mid cap  -    7.5k
mirae large and mid cap -    7.5k
ppfas multi cap -    15k

nippon nifty mid150 - 10k
axis midcap  fund   -    10k
nippon smallcap fund    -    5k

-----------------------------------
total  -           75k

Please review MF SIPs

Software Developer

What would be the best investment options for a Conservative spending style ? Assuming I'm 30 and have a package of 20 LPA. I prefer bulk investments where I don't have to look into the market conditions regularly to update my investments. 

Any advice will be greatly appreciated ☺️

Best investment options for a Conservative spending style

Test Engineer

Hi all awesome people, I have been investing for 7 years now, since I started my job and below is the break down of my current SIPs:

Category	Fund	Amount
Small cap	Nippon India Small Cap Fund	15000
ELSS	Quant Tax Plan	7000
Flexi cap	Parag Parikh Flexi Cap Fund	20000
Index	ICICI Prudential Nifty Next 50 Index Fund	4000
Index	Nippon India Nifty Midcap 150 Index Fund	3000
Index	Nippon India ETF Nifty 50 BeES: Stock SIP	20000
Large & Mid cap	Mirae Asset Emerging Bluechip Fund	11000
Multi cap	Quant Active Fund	5000
Sector: Energy	DSP Natural Resources & New Energy Fund	5000
Sector: Energy	Tata Resources & Energy Fund	5000
Sector: Energy	Nippon India Power & Infra Fund	5000
Global	ICICI Prudential US Bluechip Equity	5000
Global	Navi NASDAQ 100 Fund of Fund	3000
Global	VOO-Vanguard S&P 500 ETF: Stock SIP	5000
Global	VWO-Vanguard FTSE Emerging Markets ETF: Stock SIP	5000
Sector: Precious Metal	Nippon India Gold Savings Fund	3000
Sector: Precious Metal	Aditya Birla Sun Life Silver ETF	4000
Sector: Tech	ICICI Prudential Technology Fund	5000
Value	ICICI Prudential Value Discovery Fund Growth	8000
Total		138000

I had alot of diversification and had multiple active SIPs in same categories, I tried cutting them down based on some analysis. I have few questions:

1. Am I over diversified? I have mostly 1 active SIP now in each sector.

2. Few of categories like multi cap have negligible allocation, should I remove them or allocate more?

3. I am betting heavy on energy please help me decide 1 fund from above 3.

4. I have stopped SIP in a bunch of funds but DID NOT sell them. How do I rebalance existing funds, do I sell and rebuy and pay the tax and load or just keep it?

I have other investments like emergency fund FD, liquid cash, gold and real estate. My only goal from MF is wealth creation and can with highly aggressive investment profile.

Thanks in advance people.

Help gauge my portfolio

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.

Need Investment advice in India for 20k per month

I’ll go first. 

1. What kind of investor are you? 
I am an opportunity investor, and I do buy good stocks whenever they are in reasonable valuations. Below are my monthly numbers. 

2. Where’s the majority of your investment portfolio ?
I have three RE investments and one of them has loan. And I’m planning to buy a property in Goa or HP. 

3. What’s your monthly investment breakdown?

1.7L/ Month (approx) 

60k - SIP (mutual funds)
60k - stocks (smallcase, us stocks using vested) 
30k - as opportunity fund, this is transferred to a different bank account 
10-20k - for experimental investments in crypto, nfts, and some trading. This is a new segment and I don’t have much experience in this and that’s why starting small here. 

4. Anything else you want to share? 

I am learning to invest on a daily basis. Reading, videos and podcasts are my sources. Some of my tops picks are Whiteboard finance (Marko), My first Million and Smart Passive Income, finance with Saran, and Akshat Shrivastava.

Where and how much are you saving/ investing per month?

Consulting Director

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?

My MF portfolio

1. Real estate (invested value)
2. Liquid cash
3. Other Investments (invested value)

The wealth should not be inherited.

I'm 30. No house, 10L in cash and 5L in mutual funds. No inherited weath.

How much wealth have you created yourself?

Seeing the comment section,I realise I am broke.

Frontend Engineer

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.

Mutual funds

Since a lot of folks have been discussing about holding different assets in their portfolio, what does one feel is a healthy split. I can go in first

Cash/Cash equivalents : 0.4%
FD/Debt Mutual Funds : 9.2%
Stocks : 33% (mix of public traded ESOPs and those purchased by me in the market)
Equity Mutual funds : 22%
RE : 30% (includes the house I live in)
Pension : 5.4%

Would love to know how others are stacked.

Split of your net worth

Founder

3 year old portfolio ( MF + Direct Stocks )

Hows your Portfolio performing in these times

Please review my portfolio.

Salary: 54K
YOE: 1
Invest: 17K per Month

Emergency Fund: 1L (In Savings Account)
MF + NIFTY + Gold: 1.85L
EPF: 72K

Total NW: 3.57L

Need Suggestions!

Portfolio Review | How am I doing as a 23M?

Age - 33
YOE - ~ 10 years in Marketing

Zero exposure to US stocks. 
Zero exposure to Crypto.
Have a house (~45 lacs) for parents in a Tier 2 city which I haven’t added here. 
No liabilities (finished an education loan and a home loan)

Recently started investing in NPS and will continue to do (~1.5 lpa) and accumulating SGB (~2.5 lacs, the screenshot doesn’t capture gold correctly) from the past 6 months.

Question - is there merit in talking money out of EPF and reinvesting in Mutual Funds? What is the general view. 

Open to any other suggestions. TIA!

Please rate my MF portfolio (Bad, Good, Excellent)

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