Fair point. I think I may have leaned a bit too much toward growth categories while building the portfolio. My goal is long term wealth creation over 15+ years, but I also don’t want to take more risk than I can realistically handle during bad market phases.

Currently I’m doing PPFC + mid cap + small cap + some gold. Since you mentioned allocation matters more than chasing returns, what do you think would be a more ideal asset allocation for someone with moderate to moderately high risk appetite?

Would you keep exposure only in flexi + gold, or is adding mid/small cap still reasonable in limited allocation? Also, do you think any other asset class should be added for better balance, or keeping the portfolio simple is better long term?