MagicalNugget
Portfolio Review | How am I doing as a 23M?
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!
6mo ago
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DancingDonut
Stealth6mo
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.
FluffyCupcake
Amazon6mo
What kind of suggestions you are looking? Or is it validation?
MagicalNugget
Razorpay6mo
Is the MF split correct? Or should I sell or buy something new? Any overlaps? Etc.
FluffyCupcake
Amazon6mo
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.
DancingTaco
Stealth6mo
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.
GoofyBagel
Walmart6mo
Very good bro
QuirkyBanana
Intel5mo
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
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