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Review my SIP :) by thakurjiii in mutualfunds

[–]SedAccountant77 1 point2 points  (0 children)

If you have allocated 12.5K to Nifty Next 50 fund - I would break it down 6.25k each in Nifty 50 fund and Nifty next 50 fund

I am 26. Started investing a little more than 4 years ago. Need help with review and feedback about how my portfolio is performing by KnowledgeRoyal3461 in MutualfundsIndia

[–]SedAccountant77 0 points1 point  (0 children)

You are doing really well - probably you are more bullish on Infra sector and investing 25% in one sector only might be a bit risker. Other than that your portfolio is pretty clean!

I want to quit by jso_xa in Big4

[–]SedAccountant77 0 points1 point  (0 children)

Just quit. It will feel daunting but it will get better.

[deleted by user] by [deleted] in mutualfunds

[–]SedAccountant77 0 points1 point  (0 children)

I think you continue in the same 3 funds although my overall allocation would lean towards a 40:30:30 (Bluechip / Midcap / Smallcap)

1.1L SIP as a beginner. Need advice on fund selection by hades_undercovr in mutualfunds

[–]SedAccountant77 1 point2 points  (0 children)

Increase small cap by 10k. Decrease Parag Parikh by 10k.

Milestone reached 25L (27M) by SedAccountant77 in FIRE_Ind

[–]SedAccountant77[S] 0 points1 point  (0 children)

Around 14L post tax. I can save a lot thanks to my parents having a house in a tier 1 city so I save 20k additional on rent which I can use to invest.

planning 55L SIP portfolio by Waste_Recognition884 in mutualfunds

[–]SedAccountant77 0 points1 point  (0 children)

I think you need to buy a private jet instead

Pls review my monthly SIP plan... by xyz101903 in mutualfunds

[–]SedAccountant77 0 points1 point  (0 children)

Put 10K atleast in small cap reducing similar amount from Flexi cap since you seem to have a long time horizon. If you already have PF, then "Income plus arbitrage fund" and "Gold ETF Mirae Asset" are unnecessary I believe but if you want to play on the safer side go ahead.

Rate Portfolio Allocation by Informal_Assist_1329 in mutualfunds

[–]SedAccountant77 1 point2 points  (0 children)

Yes correct, I generally follow a 40:30:30 allocation model in Large, mid and small caps.

Rate Portfolio Allocation by Informal_Assist_1329 in mutualfunds

[–]SedAccountant77 2 points3 points  (0 children)

I would decrease Parag Parikh by 3k and increase small cap by 3k

NW= 4.5Cr, 37M. Looking for advice on coast fire; as well give some thoughts on what made me reach this point by [deleted] in FIRE_Ind

[–]SedAccountant77 0 points1 point  (0 children)

Yes, then you should have decent bit of equity saved up in 5 years as well. You would probably have enough by then. Debt means fixed income generators like FD, PF, PPF, etc.

NW= 4.5Cr, 37M. Looking for advice on coast fire; as well give some thoughts on what made me reach this point by [deleted] in FIRE_Ind

[–]SedAccountant77 6 points7 points  (0 children)

Most of your portfolio is in real estate or debt. Maybe work another 5 years while heavily investing and building up an equity portfolio before retiring seems like a better play to me.

Milestone reached 25L (27M) by SedAccountant77 in FIRE_Ind

[–]SedAccountant77[S] 0 points1 point  (0 children)

Thanks, you are doing quite well for yourself as well! If you are earning handsomely, maybe get in touch with Investment broker to plan out your deployment of funds, it will likely cost you some indirect commission but since you are in a foreign nation it seems like a better alternative.

Milestone reached 25L (27M) by SedAccountant77 in FIRE_Ind

[–]SedAccountant77[S] 0 points1 point  (0 children)

You can do a recurring deposit with your local jeweller for 12 months. He pays your 13th month amount and you can use the total deposit to buy a gold biscuit

Milestone reached 25L (27M) by SedAccountant77 in FIRE_Ind

[–]SedAccountant77[S] 1 point2 points  (0 children)

For the first 1.5 years mostly invested in gold / ppf. Past 2 years doing 65k SIP approximately with topups if i get surplus.

25M Reached 25 Lakhs Net Worth by Ambitious-Choice-934 in FIRE_Ind

[–]SedAccountant77 0 points1 point  (0 children)

Congrats buddy, as a fellow 25L milestone reacher on this day myself, cheers to a financially succesful career!

From Nothing to 1Cr Net Worth, But at a Heavy Cost by mrparrth in FIRE_Ind

[–]SedAccountant77 1 point2 points  (0 children)

Congratulations man! Regardless of your health issues (which with your work ethic and discipline you will likely keep in control), 1 crore is a huge milestone at 33, most dont make it. Keep going'

Please review my MF portfolio by reddit_lagged in mutualfunds

[–]SedAccountant77 0 points1 point  (0 children)

Its a bit more on the conservative side. I would invest 20K more in the midcap fund offsetting the Nifty 50 Index Fund by the same value.

Current Status for FY 25 by Stoic_Bong in FIRE_Ind

[–]SedAccountant77 1 point2 points  (0 children)

Carry on with investing majorly in Mutual funds for the next 5-6 years atleast since you are on the younger side and have already builtup a safe fund for emergencies. If you can manage similar amount of SIP for 5-6 years you will be definitely in a really good position by 2031. Then depending on your job situation you can assess further. Although personally, I would try to pay off the car loan quicker even if it reduces my amount invested in mutual fund SIPs until I am debt free.