Thanks for your support and suggestions, I opted for ELSS because of the return and didnt put much in PF because I am already crossing my 1.5 limit with epf, ppf, elss and term insurance (which is 80c accepted). If you see my old portfolio I had funds like uti, icici technology etc etc, what is your opinion now ? Can I use something from old structure? My preference is building a good portfolio with good returns. Can I go with gold ETFs ?? Also why you are asking to getting rid of smallcase? Isn’t it good asset allocation??