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JumpyMochi
JumpyMochi
InMobi

Seeking Advice - Portfolio Check

Age - 33 YOE - ~ 10 years in Marketing

Zero exposure to US stocks. Zero exposure to Crypto. Have a house (~45 lacs) for parents in a Tier 2 city which I haven’t added here. No liabilities (finished an education loan and a home loan)

Recently started investing in NPS and will continue to do (~1.5 lpa) and accumulating SGB (~2.5 lacs, the screenshot doesn’t capture gold correctly) from the past 6 months.

Question - is there merit in talking money out of EPF and reinvesting in Mutual Funds? What is the general view.

Open to any other suggestions. TIA!

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20mo ago
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GoofyDonut
GoofyDonut
Salesforce20mo

What's the value of your own house? Also pls share your tc for reference

JumpyMochi
JumpyMochi
InMobi20mo

I live on rent (my wife and I) - no plans on buying a house immediately. TC - 56 lpa (51 fixed, 5 variable)

ZoomyDumpling
ZoomyDumpling
Stealth20mo

How much do you manage to save out of 56?

WigglyRaccoon
WigglyRaccoon
Google20mo

Wtf, is 70L in MF? Care to elaborate such high investment in which sectors?

JumpyMochi
JumpyMochi
InMobi20mo

25% BFSI 20% Industrials
15% Consumer Durables
10% Energy

Rest split across multiple sectors like healthcare, IT etc

JumpyMochi
JumpyMochi
InMobi20mo

If not MFs what constitutes most of your portfolio?

SparklyBurrito
SparklyBurrito
Stealth20mo

What was your return on mutual funds and stocks? Invested value vs Present value?

Portfolio looks great, will not suggest taking out money out of PF, it's good to have debt exposure as your portfolio is equity concentrated, by the time you retire, your PF and NPS can cover your retirement expenses.

PF can be withdrawn when you plan to buy a house for yourself, otherwise good to have it.

SparklyBurrito
SparklyBurrito
Stealth20mo

Interest on PF is tax exempt so that's like having a post tax return of 11%.

JumpyMochi
JumpyMochi
InMobi20mo

Thank you! Makes sense. I will most likely stay invested in NPS and PF.

Stocks = ~56% absolute returns MF = ~60% absolute returns, ~30% XIRR.

SqueakyDumpling
SqueakyDumpling
Stealth20mo

What are your favourite/most invested MFs?

JumpyMochi
JumpyMochi
InMobi20mo

Parag Parikh Flexi Cap has been a favourite for long

BouncyDonut
BouncyDonut
Continental Automotive20mo

How do you handle the panic when nifty is 300 points down .

JumpyMochi
JumpyMochi
InMobi20mo

No panic :). The market always bounces back. Sit tight or buy more in case of liquidity.

FluffyHamster
FluffyHamster
Deloitte14mo

Which app is this?

BubblyMochi
BubblyMochi
Stealth12mo

IND Money

ZestyWalrus
ZestyWalrus
Stealth14mo

Which app is this??

BubblyMochi
BubblyMochi
Stealth12mo

IND Money

JazzyQuokka
JazzyQuokka
Meesho14mo

Wait how much is your emergency fund and in your savings account besides this?

JazzyDonut
JazzyDonut
Stealth18mo

Not related but If anyone is looking to stake your crypto assets check out this exchange https://fintechcatalysts.com/u/signup?r=passiveman . You can join the group chat below: https://t.me/+nRdvoh-H0hU4ZjMx

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