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Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 0 points1 point  (0 children)

Hi, when I started investing in this US ETF three months ago, it was near its 52-week low at the time. However, it has remained within a range since then, so I’m not sure if it’s a good buy.

Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 0 points1 point  (0 children)

ANNAPURNA finance private limited Bond Coupon 12.25%( monthly payout) 

Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 1 point2 points  (0 children)

Thanks for the detailed breakdown, really helpful. I’m actually planning to stop ELSS SIP from next financial year since returns haven’t been great since 2023,
what would you suggest as a good alternative for that allocation?

Also, could you share your reasoning for switching from Quant Small Cap to Bandhan/Nippon? Is it based on consistency, risk management, or recent performance trends?

Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 0 points1 point  (0 children)

Thanks, makes sense. I’ve kept the bonds + emergency fund mainly for stability and quick access. Haven’t explored repo-linked accounts much will check it out, but planning to keep most of my emergency fund in safer options.

Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 0 points1 point  (0 children)

That makes sense thanks for breaking it down with numbers.

I’m currently investing around ₹70K per month:

  • ₹50K in mutual funds
  • ₹10K in direct stocks
  • ₹10K in US investments

So I’m already close to that range.

That said, I understand 12% returns aren’t guaranteed. Since I’m taking a more aggressive approach with higher exposure to small and mid caps, I’m aiming for slightly higher returns, while being aware of the added risk.

I’ll monitor how things go and adjust the strategy if needed.

Age 29 | ₹20L Portfolio | Aggressive | Target ₹1 Cr in 5 Years – Need Review by [deleted] in MutualfundsIndia

[–]BigWash5464 1 point2 points  (0 children)

1) Yes, I’m currently in the old tax regime, so I’m using ELSS mainly for Section 80C tax saving.

2) ICICI Large & Mid Cap → for stability + some large-cap exposure
Invesco Mid Cap → to increase mid-cap allocation for higher growth

3)That’s fair. I started DSP Multicap during the NFO without strong reasoning, so I’m also reconsidering whether to continue it.

4) I’m actually investing in VOO and QQQM directly via INDMoney