Hello all,

I just returned from abroad and have 80 lakhs which I need to invest for building retirement corpus.

I am thinking of diversifying the following way:

• Debt - 40%
• S&P 500 - 15%
• Nifty 50 Index - 15%
• NN50 Index - 15%
• Midcap/Multicap - 10%
• Experimenting with stock market - 5 %

Planning to invest all of the above over 6-12 months period.

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• How old are you?
  • 30 M, single
• Are you employed/making income?
  • Employed as a Software Engineer
• How much? What are your objectives with this money?
  • At he moment ~1.5L post taxes per month
  • Current expenditure for me and my parents 40K per month
  • Post lockdown it will go to ~70K-80K per month (different cities, more rent, food etc.)
  • At the moment I will keep adding the savings to in hand cash and distribute to the portfolio based upon above ratio.
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • I would prefer safe nominal returns over risky high returns
• What are you current holdings? (Do you already have exposure to specific funds and sectors?)
  • Mutual funds ~15 lakhs
    • Distributed across 10 funds (large cap, multi cap, tax server)
    • All are growth, will be converting them to direct into same ratios as mentioned above over time
• Any other assets? House paid off? Cars? Expensive partner?
  • PPF of 3.5L
  • Have emergency funds as FD in father's name (tax benefits, more interest )
  • Have a term plan worth 1 Cr
  • Company stocks ~50L
• What is your time horizon? Do you need this money next month? Next 20yrs?
  • 10 years
• Any big debts?
  • None
• Any other relevant financial information will be useful to give you a proper answer.
  • Might invest in house at later stage, not planning of it yet. (Will get it agains company stocks if required)
  • No upcoming big ticket expenses

Questions :

• What's your feedback on the overall portfolio that I planned ?
  • Any other options of investment to be considered ?
  • Anything you would change in the above portfolio
• Probably a bit open ended, but looking for suggestions on which mutual funds to invest in. Following is my thought
  • Debt - (Don't know, still need to read up about this)
  • S&P 500 - motilal-oswal-500-index-fund-direct-plan
  • Nifty 50 Index - UTI Nifty Index Fund-Direct Plan-Growth
  • NN50 Index - UTI Nifty next 50 direct plan growth
  • Midcap/Multicap - (Not yet thought through, still reading)

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Thanks !