Typical grapevine 
 How people invest se how much people invest par aap itni jaldi aa gaye

Software Engineer

Assuming A lot of large cap oriented index funds

Software Developer

Interesting momentum stocks have highest weightage in your portfolio rallies in energy stocks must have benefitted you  
 How come you dont diversify into debt ( Gsec’s / money market )

I am curious to know how people in this group  invest. Let’s share the portfolio breakup screenshots here.

Welcome to Personal Finance's Private Community

Portfolio mega thread

Portfolio mega thread- Grapevine

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

Do share the portfolio size as well.

I’ll go first-

Take home per month- 1.75L (changed to 2.1 right now, but I’ll talk about previous one)

SIP- 70k
Stocks- ~30k if you average on a quarterly basis (smallcase)
Percentage- 57%
Portfolio- 33.5L

Curious to see how others invest. 

Apologies if there is an existing thread about this

What percentage of your salary do you invest?

Product Manager

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

By portfolio I mean all investments like stocks, mf, pf, FD, savings, RD, real estate, lic, health insurance, bonds, efops, US stocks. 

I know INDMoney does it in some way and scripbox also does it but not sure how exhaustive it is.

Any suggestions?

What personal Portfolio Management tool do you use to track your portfolio?

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

So guys most of us here makes bank. All of you worked hard to reach here. Kudos to all! Let's take 10 seconds from your busy schedule look at your investment portfolio, bank balance, crypto wallet etc and *appreciate yourself* 👏🏻 feel proud you're on right path!

Few pointers

- Now's the right time: Just like election results day 4 June market were volatile next few days expect the same. If someone here buying on dips great jump on wagon!

- crypto: Get out of crypto, Right now!
Due to yesterday’s attack on wazirx, global crypto index are down very bad news for crypto believers

- stock tip: Buy *defense ETF/MF* you'll be much richer than today in next *6 months*

Post your comments below let's have a open discussion :)

[Thread] Investment portfolio 👏🏻

what part of salary/income do you guys invest and where do you guys invest, let’s create a thread

Best place/way to invest

Hey guys! So i have recently started a SIP of 5k in Nippon Large Cap fund for my short term goal. Also, i have been investing in 3 other mutual funds 5k each listed below. 

1. Quant small cap 
2. Whiteoak Mid cap 
3. Icici prudential india opportunity

Can you guys let me know if the portfolio looks good or any other suggestions over the same

Portfolio Analysis

Application analyst

27YO. I have been investigating for the past 1 year ...every month 5k in stocks, 2k for hdfc, 3k for Infosys..Current portfolio of 87k..6k in profit....will expand when salary increases after switching..share your portfolio .

Do you invest in direct stocks? If yes, how do you measure a company's performance/due diligence ? do you simply invest in large caps ? Share your portfolio guys !

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

Welcome to Banking & Finance's Private Community

Growth of Portfolio

Current Portfolio review - Anything that I should consider selling? (Shared my current SIPs desc/ratio in another post due to single image/post limitation, I've done 35k/70k/1L LTCG Profit harvesting in last 3 years)

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

Hello everyone, 

I'm Sandeep, the co-founder of Dezerv. We're an investment management platform helping affluent Indians invest better. 

Prior to Dezerv, I was a Sr. Managing Partner & Head of IIFL-One, and in all have over 15 years of experience within wealth management. 

Would be keen to answer questions about Portfolio Management Services (PMS), Mutual Funds, Wealth-tech as a space, investment management, entrepreneurship, and more. 

I'll be back at 5 pm and start answering away!

AMA: Hey everyone, I'm Sandeep, co-founder of Dezerv. Ask me anything!

Co-founder

With so many companies at all time high, how are you looking for good undervalued stocks picks. Looking for good fundamental stocks with investment horizon for 1-2 years.

Any app or investment house which shares good picks ?

How do you pick stocks ?

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

Please describe your portfolio size, research mechanism, information sources and tools you use

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hello let's discuss stocks and please post the top five stocks in your portfolio.

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