What is your investment allocation strategy?

Today there is mild profit booking. Have purchased 500 ETF units of NIFTYBEES today. Let's see. Anyone else opening new postions or any thoughts to share?

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.

Own a house worth 3.5 Cr which is on rent Have a home loan of 2 Cr outstanding balance Have cash of about 0.8 Cr, Shares and NF of about 0.5 Cr and PF of about 0.3 Cr. Have also gifted my parents property worth 1 Cr This is both a post of happiness and need guidance to grow this to 15 Cr in the next 6 yrs (so I can retire in peace)

The power of compounding really works! Started with a meagre salary of 4L/annum in 2018. But made sure to SIP 5K every month in Mutual Funds, and kept on increasing with career progression. This could’ve been more but I wasn’t able to regularly SIP during the two years of my masters I did after my first job. This may not be as much as the other tech dude bros out here sitting in CRs but this is a big milestone for me and all I’d like to say is SIP really does work and it’s all about being in the long run. Onwards and upwards only now 💪🏼💪🏼

Current mf portfolio (total invested = 10L) : Axis small cap Quant absolute Hdfc equity savings Axis blue chip Sbi gold (just started) Top performers are axis small cap and quant; also running an sip on them Current stocks (1.3L ): Mostly largecap (mostly in red) The rest of the money is either in fds or in the Bank (significant amount) I feel the equity portion of my investments is very less and I need to be a bit more aggressive on it right now since I've about 60% of my net worth in either fd or in Bank. I can probably do a 5L lump sum then an sip on the same if they continue to perform well. Considering that please suggest some investment options A few options I had in mind: Us mutual funds Chinese funds Indian infrastructure funds Reits

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

Just some personal finance gyaan, I follow these regularly 1) Have 3-6 months of cautionary savings 2) Have up to 2x your monthly account in your bank 3) Have 3 accounts (Salary, Investment & Spend) 4) Have a Bifurcation of Equity, Debt , Real-estate & Gold by age and follow that 5) Have 2-3 credit cards (Set Breach limits) 6) Think long term 7) Reduce costs on all fronts - Saving account, demat, mutual funds , tax etc 8) Medical & Life insurance is a must 9) Don't inflate your lifestyle after you income gets upgraded .Wait observe and decide if it's worth it 10) Always invest in things that would give you less headache Have added my investment bifurcation in comments

- 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.