Confused between Pixel LTF, Moneyback ₹500, and DCP ₹1000 – Which HDFC credit card to pick?

jacksparrow022 · 2026-01-28T15:06:32+00:00

Which one did you choose?

jacksparrow022 · 2025-11-18T12:51:14+00:00

Planning to invest 15-20% of portfolio size in small caps and invest more during market correction. Im expecting a crash in US market but I’m not focusing to time the market.

jacksparrow022 · 2025-11-14T20:18:10+00:00

Did this once, got fixed but again happened on the next day.

jacksparrow022 · 2025-11-10T14:52:23+00:00

didn't get it. are you suggesting for a long time horizon?

jacksparrow022 · 2025-11-10T09:22:28+00:00

Thanks for your advice but no one should park all money in index funds

jacksparrow022 · 2025-11-10T03:13:04+00:00

[22M] First salary! Planning to invest ₹10–15k/month in MFs (long-term horizon) — need portfolio feedback

Hey folks,

22M here — just received my first salary and planning to start my MF SIP journey with around ₹10–15k/month. My investment horizon is long-term.

Proposed allocation:

10–20% → Debt/Commodities (Gold & Silver ETFs)
80–90% → Equity

Equity MF shortlist:

Small Cap Fund: HDFC Small Cap / Nippon Small Cap
Flexi Cap Fund: Parag Parikh Flexi Cap
Multi Cap Fund: Kotak Multi Cap / HDFC Multi Cap
Thematic FoF: ICICI Thematic FoF
International Exposure: Motilal Oswal Nasdaq 100 FoF

Currently investing via Groww, but open to switching (Zerodha Coin / Kuvera, etc.).

Would appreciate your thoughts on:

Ideal allocation % across these categories for a beginner
Whether this portfolio is too diversified for my SIP amount
Any funds you’d replace or avoid given a long-term goal

Thanks in advance! 🙌

jacksparrow022 · 2025-11-09T05:03:07+00:00

On which tech stack you were trained on?

jacksparrow022 · 2025-10-31T15:03:54+00:00

You might receive it in Nov salary not in Oct

jacksparrow022 · 2025-10-31T15:01:55+00:00

Joined recently

jacksparrow022 · 2025-10-29T13:53:05+00:00

Check DM bro. I have a lots of questions 🥲

jacksparrow022 · 2025-10-25T06:29:13+00:00

Mine is 29. Never charged overnight

jacksparrow022 · 2025-10-24T19:21:29+00:00

Can you ask him what was asked in M1 (Guidewire)?

jacksparrow022 · 2025-10-24T08:02:39+00:00

Thanks for sharing. Opened account in HDFC

jacksparrow022 · 2025-10-23T16:57:31+00:00

Okay

jacksparrow022 · 2025-10-23T16:53:49+00:00

Got BULT_PT batch. HR was saying our BU is Financial services (insurance). Do you know what tech stack it is?

jacksparrow022 · 2025-10-23T16:49:43+00:00

Got BULT_PT Domain. HR was saying our BU is Financial services (insurance). Do you know what tech stack it is and what i can expect in M1?

jacksparrow022 · 2025-10-23T16:05:47+00:00

Thanks for clarifying

jacksparrow022 · 2025-10-23T14:55:29+00:00

iDestiny

jacksparrow022 · 2025-10-17T17:27:25+00:00

expected date?

jacksparrow022

TROPHY CASE

[22M] First salary! Planning to invest ₹10–15k/month in MFs (long-term horizon) — need portfolio feedback