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JumpyMochi
JumpyMochi
Student

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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8mo ago
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GoofyDonut
GoofyDonut
Amazon8mo

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

JumpyMochi
JumpyMochi
Student8mo

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

ZoomyDumpling
ZoomyDumpling
Stealth8mo

How much do you manage to save out of 56?

WigglyRaccoon
WigglyRaccoon
Google8mo

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

JumpyMochi
JumpyMochi
Student8mo

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

Rest split across multiple sectors like healthcare, IT etc

JumpyMochi
JumpyMochi
Student8mo

If not MFs what constitutes most of your portfolio?

SparklyBurrito
SparklyBurrito
Stealth8mo

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PF can be withdrawn when you plan to buy a house for yourself, otherwise good to have it.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
Stealth8mo

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

JumpyMochi
JumpyMochi
Student8mo

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
Stealth8mo

What are your favourite/most invested MFs?

JumpyMochi
JumpyMochi
Student8mo

Parag Parikh Flexi Cap has been a favourite for long

BouncyDonut
BouncyDonut
Continental Automotive8mo

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

JumpyMochi
JumpyMochi
Student8mo

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

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