BubblyPretzel

Cred

Portofolio in your 20s

What does your Portofolio look like in your 20s.

Would also be helpful if you can tell about your health and term insurance.

29mo ago

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FluffyNugget

Plivo29mo

Holy sht people here have minimum 10L investments. I am so far behind 😵

BubblyPretzel

Cred29mo

This is not a competition no need to feel bad, we can all grow together

Aspire don't envy

Btw I haven't even started investing, just got my first salary.

ZippyJellybean

Amazon29mo

30 percent stocks, 20 percent mutual funds (equity, fof, debt), 40 percent FDs, 5 percent (sgb, p2p lending), rest cash

BubblyPretzel

Cred29mo

Total Corpus and age?

ZippyJellybean

Amazon29mo

1.7cr , 29M

SleepyCupcake

Stealth29mo

26yrs old

~60% in stocks (70% of it in smallcap, rest in large/mid) and ~40% in direct MFs (Mostly ELSS and Sectoral fund - Tech)

Tried crypto with 4-5k in 2021, didn't workout well 😂

No term and health insurance yet, planning to get them this year

BubblyPretzel

Cred29mo

Total Corpus? When do you plan to start diversifying into non-equity instruments?

SleepyCupcake

Stealth29mo

Not much, ~10L in stocks and MFs. I've also purchased gold (Jewellery for Mom) worth 3-4L over last two years.

I really want to try out some alternatives in like wint and grip, I'm just very lazy to study and invest in them I guess.

DizzyKoala

Capgemini29mo

i think all rich people r here 😂

BubblyPretzel

Cred29mo

Survivorship bias, only the rich ones prefer to share.

GroovyMarshmallow

Stealth29mo

I’m all in crypto

BubblyPretzel

Cred29mo

What are the returns that you are expecting and how do you split your investments in btc/eth/others

PrancingNoodle

Zomato29mo

Looks more like financial ruin

TwirlyNoodle

Stealth29mo

I invest in MFs only. Mostly in Nifty 50 and ELSS. I do have one small cap, flexi cap, international, bind and gold fund. But most of my investment are with Nifty 50 and ELSS and has given me good returns.

SnoozyHamster

Jupiter29mo

Total corpus and age?

TwirlyNoodle

Stealth29mo

Age- 25 and saved around 8 lacs. I have an education loan and I trying to pay it off through lumpsum payments

WobblyNoodle

InMobi29mo

30% mutual funds 20% stocks (mostly mid/small caps) ~20% in real estate
~ 10% in Government schemes like PPF, NPS Rest cash in bank.

Don't like FDs. Invested some amount in crypto but nothing significant (around 1L).

BubblyPretzel

Cred29mo

Age and total Corpus?

What type of Mutual funds are the ones you mentioned (liquid, corporate bonds)

WobblyNoodle

InMobi29mo

Equity mutual funds (Bluechip, emerging Bluechip, midcap). I don't invest in debt mutual funds.

Total corpus around 1.8 cr, Age 27.

FuzzyPenguin

Stealth29mo

24M 56L in equity. 38L in MF, 18L in stocks MF xirr is 20% and stocks are +10%. I booked some profits recently and reinvested it. I don't have much clue about stocks so I invest in trusted companies and hoping to get good returns over the decade. (doesn't mean I have not made blunders but those blunders have recovered too)
No term insurance or health insurance yet but I'll get it this year I have been maxing out ppf for 5 years now, no investments in NPS. I have separate 6L FD to cover emergency expenses. Around 7L in crypto(approx 4.5L is earning from 5 years back but it was all in stablecoins so didn't appreciate at all and remaining was airdropped)

I save around 80-85% of my salary for months between march-december. A chunk of jan/feb income goes into paying advance tax. taxes are less due to 44ada

JumpyBoba

Stealth29mo

25 years old ~40% in mutual funds, rest in stocks and etfs (around 17L) and cash. Have a term insurance of 2cr. Tried crypto, didn’t work out too well.