Software Developer

You sir are going to become a millionaire by 50 🫡

Software Engineer

Frontend Engineer

Congratulations on the salary. You should be good with basic returns as your salary growth will be better than rest. 
  
 I think you can take but more risk and increase the small cap amount, and remove the midcap. 
  
 I also have similar take home, and expenses are way less, I invest only in quant small cap and ICICI nifty50

Instead of axis, you can choose ICICI prudential only. Nifty, nifty next 50, nifty midcap.

Don't choose AMC by hype. Check their funds manager. And it's past performance. Also check underlying companies.

Tech Lead

In 10 years your portfolio should be close to 2.5cr but I recommend you remain invested for a few more years to exponentially grow the money (15 years - over 6 cr, 20 years - over 13 cr approx). In the game of investing time is the most important factor as compounding comes into play. Also you should put more of your money into a small cap fund like from quant or sbi and invest lesser in the index fund as you are young and can take better risks. Also try to diversify and invest in debt assets like bonds/high ROI FDs (via wint wealth maybe) or debt funds so that everything isn't only in equity. Also here's why you shouldn't invest in NPS - https://www.instagram.com/reel/C70vQeINfz-/?igsh=MWoxazdiN3c5dzllMg==

Database Administrator

Canara rebaco fund is also best i got 110%  return in 3 years

Unnecessarily cluttered portfolio. Plus, why Axis for small cap? Quant beats everyone. And you also have a flexi cap and a mid cap.

Flexi cap fund is already investing in small/medium, so investing is small and mid cap funds separately seems redundant. Rest looks good to me.

@Lspo i think you can go more bullish on small cap funds by diverting some money from index funds, also yeah better to move to quant, also elss funds are tax free, try those as well from quant. Just curious, where do you work and what role?

You can add SBI Smallcap Index250 in your current portfolio.

Mechanical Engineer

Please evaluate my monthly equity SIP allocation and suggest any changes.  Monthly inhand salary (after tax): ₹2.6 lakh   Age: 23  Monthly Mutual Fund SIP:  Total: ₹91,000    Axis Small Cap:...

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

Review my monthly SIP of 91k- Grapevine

Welcome to Personal Finance's Private Community

Guys. 22 years old. Advice needed. 50k monthly SIP. Higher risk appetite. Any suggestions on a good mutual fund portfolio? (Please don't just say index funds)

50k SIP - Advice needed

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

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?

Doubling down on Equities?

Should i do any changes in my SIPs?

Data Scientist

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

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

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

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?

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

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

Review my monthly SIP of 91k

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