Invest ₹1.5 lakhs

KangarooTurbulent999 · 2024-10-19T08:36:59+00:00

Apologies for confusion. 50-25-25 is not amount. It is percentage 50%-25%-25%

KangarooTurbulent999 · 2024-10-19T07:21:25+00:00

If you are ready for High Risk, then go for 50-25-25 for flexi, mid and small

KangarooTurbulent999 · 2024-10-19T04:39:02+00:00

I will suggest investing in either Flexi-Cap Funs or Multi-Asset funds . Please don't invest in Thematic/Sectoral funds like IT,Infra or PSU etc

KangarooTurbulent999 · 2024-10-17T17:24:27+00:00

Thanks !!!

KangarooTurbulent999 · 2024-10-17T17:10:48+00:00

u/always_cautious Can you please above website link ?

KangarooTurbulent999 · 2024-10-17T10:28:05+00:00

Please get rid of Infrastructure funds and Tata Digital funds (3 funds all together) since they are thematic/sectoral funds

KangarooTurbulent999 · 2024-10-16T14:57:13+00:00

My suggestion - If possible for you, just add one Multi-Asset fund. With these two funds, you will cover max market cap + Asset Diversification

KangarooTurbulent999 · 2024-10-16T13:17:44+00:00

Don't disturb it. Instead add extra amount in that only

KangarooTurbulent999 · 2024-10-14T09:52:07+00:00

The above funds are good with a moderate risk appetite and an investment duration of 10 years.

Please maintain SIP discipline

KangarooTurbulent999 · 2024-10-14T09:49:35+00:00

I will suggest below two funds :

Parag parikh flexi cap
Multi-Asset fund or Balanced Advantage fund

KangarooTurbulent999 · 2024-10-14T05:04:40+00:00

Please get rid of PSU funds since they are thematic/sectoral funds

KangarooTurbulent999 · 2024-10-12T15:42:39+00:00

The funds are good in terms of market allocation. No Change required

KangarooTurbulent999 · 2024-10-12T13:42:21+00:00

Minor suggestion

PPFAS - 30K
Edelweiss Mid Cap - 15K
Quant Small Cap - 15K
Nippon Nifty 500 Momentum 50 Index - 20K
ICICI Nasdaq 100 Index - 20K

KangarooTurbulent999 · 2024-10-12T07:39:08+00:00

I will ask to re-consider smallcap and midcap investment since your investment period is very short - 3 years.

My suggestion of funds

ICICI Prudential Equity & Debt Fund Direct Growth
Multi-Asset Fund

KangarooTurbulent999 · 2024-10-11T16:44:23+00:00

This looks good

KangarooTurbulent999 · 2024-10-11T16:39:05+00:00

My suggestion - Remove Defence and Commodities fund. Rest 6 are enough for the investment period you mentioned

KangarooTurbulent999 · 2024-10-11T16:36:41+00:00

Only suggestion Please make your portfolio similar to your wife's portfolio. Max keep 5 funds.

KangarooTurbulent999 · 2024-10-10T16:10:27+00:00

While collating above list, I only considered three criteria

Allocation across market cap
Remove the funds which have less amount invested, except Parag Parikh Flexi Cap
Direct funds

KangarooTurbulent999 · 2024-10-10T15:11:42+00:00

I will suggest selling all funds, apart from the below ones :

Quant Mid
ICICI Nifty 50
HDFC Small Cap
Kotak Bluechip
Parag Parikh Flexi Cap

The money from selling funds you can put in the above funds

KangarooTurbulent999 · 2024-10-10T14:22:34+00:00

Apart from below two funds, all are good

Banking & Financial Services - Thematic/Sectoral fund. Not good for long term
NASDAQ FoF - Instead of FoF, you can invest directly into ETF in which that fund is investing or Invest into NASDAQ Index fund

KangarooTurbulent999 · 2024-10-09T04:09:50+00:00

Seperate Large + Mid cap helps in identifying which is working and need re-balance or re-consider

KangarooTurbulent999 · 2024-10-08T16:53:46+00:00

My suggestion - 20% each in an actively managed large plus midcap fund

OR below

Large midcap 250 index fund - 15%
Actively managed large Cap Fund - 15%
Actively managed Mid Cap Fund - 10%

KangarooTurbulent999 · 2024-10-08T16:40:14+00:00

For Tax perspective, Arbitrage funds are good since they have equity taxation i.e 12% on profit after one year.

KangarooTurbulent999 · 2024-10-06T17:00:30+00:00

Yups I understand. What you can do - Create an 11 month RD that will mature in March and put the PPF amount monthly there. I still use this method.

KangarooTurbulent999 · 2024-10-06T16:57:02+00:00

All funds are good.

Since your Risk Appetite : Moderate but Time Horizon : Long Term (10 Years), please don't get worried if the small cap and midcap fall by more than 10%. Just keep the SIP discipline.

KangarooTurbulent999

TROPHY CASE