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Need Investment advice in India for 20k per month

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.

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Parker

Swiggy

a year ago

Gilt funds
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DarkerKnight

Stealth

a year ago

Poora FD me dal do
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ProProcrastinator

Stealth

a year ago

FD is one time right.? I’m looking at monthly 20k investment.
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Surviving

Sunflag Iron & Steel Co. Ltd.,

a year ago

5k index MF SIP, 10k flexi cap SIP, 5k NPS. FD is also good at this time due to high interest rates. At last all depends how much lock in period you are comfortable with and risk appetite.
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ProProcrastinator

Stealth

a year ago

Thanks for the detailed split. Moderate risk appetite. Lock-in period is a bit flexible.. I’m okay with at least 3 years.
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FreelanceWriter

Freelancer

a year ago

Pick one growth sector. Identify 3-4 stocks from that sector across large, mid & small caps. Allocate evenly. Wait for 3 years.
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Sreekanth

Unnamed

a year ago

Follow asset allocation based on risk profile and goals whether it is 20k or 2 lakh per month. Don't follow suggestions like 5k here, 5k there etc. They are amateur suggestions.
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majboormajdoor

Stealth

a year ago

Wont advice you in detail as you have provided much info. But... If you are below 50, then don't overdo NPS. NPS can be redeemed post 60, that's too far a lock-in. Make sure all your next 10y needs are taken care off before you start contributing. You can do 500-1000 annually to keep NPS active. Procrastinating here is wise, as its not reversible.
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