I think you should also add SIP in large cap funds as well, your investment will be balanced. Rather using Zerodha or any broker for MF start using ET Money you will save a lot on your investment. Believe me.

Thanks for the suggestion. Will try out ET money.

Software Developer

Also, it gives you summary and suggestions on your portfolio

Founder

What kind of suggestions you are looking? Or is it validation?

Is the MF split correct? Or should I sell or buy something new? Any overlaps? Etc.

For overlaps - there are many online FREE tools which you can use.  
  
 There’s no correct/wrong split in the market, it all depends on your risk profile and patience during bad times. At the same time, I would say mid/small caps are bit frothy right now. You should look at PE valuations of these funds over the years. Also, when you have flexicap in portfolio, exposure to small/mid cap fund might not be best in times of volatility.

Product Manager

Take more risk. Exposure to only Quant funds, that too small cap, mid, active and flexi. 
  
 Use ind money for portfolio tracking and overlap. Etc.

Consultant

Don't count EPF/PF as part of your NW. While it is your NW, it's better to look at liquid amount and consider that only as you are just 1 yoe. Regardless at 23Y 1yoe, you are doing good. Keep it up

Hardware Engineer

I see defensive mindset  given your age, I'd suggest to take some additional risk and invest in large cap MF's given salary is coming, invest around 5-10k P.M in other MF's for a higher RPI

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!

Welcome to Personal Finance's Private Community

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?

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

Hi all, I am 27y,M currently unmarried residing in Bangalore.
Can somebody help me review my portfolio ?

Out of the IND stocks, 15L were invested by my father which has grown to 22L currently.
Rest are what I have invested after working for around 4 yrs.
My current salary is 1.6L per month
I try to invest 40k per month in MFs, 6k in RDs, a lumpsum of around 10k every alternate month in Indian equity and around 50k annually in US markets.

My expenses vary from 70k-90k per month including travelling to my hometown and a short trip every alternate month. 

What should be my strategy if I want to grow my wealth to 5-7cr in the next 15 yrs
I plan to get married in the next 2 yrs to my current gf who currently draws 1L per month currently. I am unaware of her investments

Can somebody review my portfolio

Analyst

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!

Seeking Advice - Portfolio Check

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

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

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?

1 year in first job, please help me assess and improve

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

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.

Need suggestions on personal finances

Okay, this post is not for any comparison but genuinely want to get insight on where do i stand in terms of saving among the corporate employees. 
I will go first. 
Age :28
NW : 65L

What's your net worth?

5.75 crore including flat . Not including car or jewellery. No loans or emis or debt of any kind . Age 41

Program Manager

I'm a 22-year-old with a monthly salary of ₹68,000. Currently, I have ₹5,00,000, split between cash and various investments in Mutual Funds, stocks, etc. I plan to restructure my portfolio according to the following allocation and also initiate monthly SIPs of ₹35,000. Looking for suggestions on refining this allocation, and what should be my monthly SIP investments?( Please suggest the MF/ETF categories to consider)

Current plan:
Gold - 10%
Stocks - 15%
Mutual Funds/ETFs - 40%
Bonds - 30%
Experimental Investments (REITs, P2P, etc.) - 5%

Note:
1. This fund is exclusively for investment, and I maintain a separate emergency fund.
2. I've been working in finance for the past 3 years and am familiar and open to diversifying into different and more complex financial instruments. 

Suggestions on this are genuinely appreciated.

Need suggestions on restructuring personal investments 💰

Need Advice on Personal finances

I am a 23 grad who has managed to save close to 7 L all cash till now. Plan was to enjoy the first 6 months of job and then start with the financial hustle. Seems, I am ready. Need suggestions to allocate ~5L across equity, gold, FDs and other investment instruments.

I have an education loan, so tips on that will also be highly appreciated.

Targeting 25 L net-worth (excluding the loan) by the end of ‘24

Thanks!

Reached 7L networth (all cash, need suggestions)

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.

Need advice for next steps

Hey folks, I've landed a new role (with a decent raise over my previous earnings)

It's a permanent WFH role, so I'll be moving back to my hometown (tier 1 city) to help my parents for retirement.

Age: 25.
YOE: 3

I currently have somehow saved up ~4L.
The breakdown is as follows.

Index fund: 2.47L
Savings: 12k (had to take out a bunch for some family emergency during my notice period 🫠)
FD: 1.4L (to help with my brother's education)

My monthly in hand at the new org will be around ~80k

I know my initial goals will be to increase my savings, get health insurance for myself (and potentially life insurance)

Other than that, my expenses for each month will vary based on the set up costs required to help in my parents' retirement.

I'm guessing 40-50k a month will be going towards this set up cost, but only for a few months. 

But I'm going to equally start saving up and getting a health insurance myself. 

My main challenge comes on what to do after that. How much do you think i should save per month?
How much should go into investments?

Etc etc. 

I'll be more than happy to share any more details with y'all.

Help me figure out my investments

Product Owner

Hi folks, I have recently started investing after repeatedly being told to not hoard my money in savings, wanted to know how/how much other people invest. 
Current portfolio:
Equity: 2.5 L ( banking, fmcg, ETFs)
Mutual Funds: 1.1 L ( Navi Index fund - 10 k per month sip, SBI Liquid Fund - 10k per month)

I feel that I should invest more since i dont have any financial dependents on me right now, but dont know how much and dont want to  put my hard earned money somewhere I won’t see it ever.

Tc: 30 LPA
Exp: 2 years

Need Investment Advice

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.

Help me diversify my portfolio

Welcome to Software Engineers's Private Community

City - Bangalore, both Software Engineers

My salary - 48LPA
Wife’s salary - 30LPA

In hand salary both - 4L per month
Yearly bonus - 8L

Monthly expense - 1L
Rent - 35k
Car EMI - 16k
Other expense - 50k

Investments -
Monthly SIP - 1L
Stocks - 50k

Remaining 1.5L saved in account for big investments and emergency 

Current assets and portfolio -
MF and stock - 20L
PF - 15L
Land value - 1.3Cr
Flat - 1.6Cr

Term insurance - 3 Cr
Health insurance - 10L

How am I doing financially and what can I improve?

Me reading it with 20k in savings account😅🤣

Tech Lead

Mention your total investments (Stocks, MFs, FDs, Cryptos, real-estate, gold etc) and your total net worth (investment assets' current value + hard cash + bank account balance) and also your age.

PS: Don't include paper money / ESOPs

Mine:
 28L in stocks, 5L in cash, 1L in gold (bought it for mom) :P, no crypto
Age:28

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

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