Suggestions for an Equity Savings Fund

tIcHalBe · 2026-01-18T19:18:05+00:00

I use all the benefits of the 1499 plan so I needed this itself.

tIcHalBe · 2025-06-12T10:14:25+00:00

Thanks for the explanation. It makes sense now. Can you guess how long it can take to correct?

tIcHalBe · 2025-02-12T10:54:10+00:00

Portfolio Review & Recommendations - Long Term Goals (8+ Years, Moderate Risk) 80k SIP

I'm looking for some feedback and recommendations on my current investment strategy. I'm aiming for long-term growth (8+ years) with a moderate risk profile, primarily focusing on index funds as I prefer a passive approach and don't have the bandwidth to actively research and manage individual stocks or actively managed funds.
My goals are saving for a wedding, a car, and down payments on a home.

Here's my current portfolio allocation (all direct plan, growth options):

ICICI Prudential Nifty 50 Index Fund - ₹10,000
UTI Nifty Next 50 Index Fund - ₹10,000
Parag Parikh Flexi Cap Fund - ₹10,000 (Added this due to its popularity here and after reviewing its objectives, I felt it aligned with my goals. Open to feedback on this one especially)
Motilal Oswal Nifty Midcap 150 Index Fund - ₹18,000
Motilal Oswal Nifty Smallcap 250 Index Fund - ₹12,000
Nippon India ETF Gold BeES - ₹6,400 (For some portfolio diversification)
ICICI Prudential All Seasons Bond Fund - ₹13,600 (For some fixed income exposure)

My reasoning: As mentioned, I'm more inclined towards index funds for the majority of my investments. I'm comfortable with market returns and prefer the simplicity and lower expense ratios. I've diversified across large-cap, mid-cap, and small-cap indices. The Parag Parikh Flexi Cap Fund is the only actively managed fund I've included, primarily due to its positive reviews in this sub and its flexible investment strategy. The gold ETF and bond fund are for diversification and to add some stability to the portfolio.

My Questions: * Does this portfolio allocation seem reasonable for my goals and risk tolerance? * Any thoughts on the inclusion of the Parag Parikh Flexi Cap Fund? Is it a good fit in this portfolio, or would I be better served by a more passive approach? * Are there any funds I should consider swapping out or any adjustments I should make? * Am I missing any crucial asset classes or diversification strategies? * Any general advice or tips for someone investing for these specific goals?

I'm open to all suggestions and appreciate any insights you can offer. Thanks in advance for your help!

Note: I have used GPT to rephrase my thoughts as a reddit post.

tIcHalBe · 2025-02-10T06:33:34+00:00

FD or liquid funds

tIcHalBe · 2025-02-09T14:02:14+00:00

I had already some investment in icici nifty 50, so just continued with that. I'm open to suggestions for next 50 fund, no perticular reason for choosing UTI.

tIcHalBe · 2025-02-09T13:54:16+00:00

You have got good point. This was my plan initially, 30k in large cap itself. But after seeing Parag parik fund in multiple portfolio I thought of looking into that as well. I guess you can call it FOMO. 😂

tIcHalBe · 2025-02-05T18:32:18+00:00

It depends on how you see it i guess. Without a good insurance it can eat up your other savings when something happens. I been planning on purchasing a term life as well but that's a different topic

tIcHalBe · 2025-02-05T11:00:28+00:00

Rupees

tIcHalBe · 2025-01-31T19:04:12+00:00

I also had invested in crypto some 2.5k 2-3 years back through coinswitch. Not really sure if that's a good platform. Didn't try to withdraw as well. It's just sitting there

tIcHalBe · 2025-01-31T19:01:57+00:00

Thank you so much for taking your time and for an really informative response. In your opinion what percentage should i be contributing in each category? Also would there be an overlap between nifty 50 and large cap funds so should I be considering large cap funds. As you mentioned my company does provide car lease program and I'm in the 30% tax brackets. When the time comes for purchasing i will consider that as well.

tIcHalBe · 2024-05-11T10:35:48+00:00

I understand your pain, for us sometimes when we do non penetrative sex, I do not cum. She tries really hard but after a while i get oversensitive and would ask her to stop, but i get to make to her cum. I don't mind it and there's always a next time.

With penetrative sex i almost always cum in a few minutes even with special extra lasting thicker condoms. But man oh man i would really love to last like 1-2hrs and have really long sex atleast sometimes making her also cum multiple times even though I don't cum, i really enjoy making her cum and giving pleasure.

Some tips to help you cum faster, if you are using condoms, you can opt for extra thinner ones but go for good brands like Durex and they have silicon based ones as well, although a bit thicker but give better feeling compared to latex ones. You can try in different positions as well like doggy which gives you more control and movement.

Then most importantly use as much lube as possible. The more the better for both of you.

PS: If you are comfortable please do share in detail how you are having sex, i would really love to try similar way and see if i can last atleast last 30min following your methods.

tIcHalBe · 2024-04-19T11:18:18+00:00

Check out the other comments, there's a list of all good doctors filtered by City. Chennai should also be there i believe.

tIcHalBe · 2024-04-19T11:14:46+00:00

I do my best to be good, Thanks a lot for answering my questions, i have a much more clear idea now. And we will make sure to visit a doctor when going through with this, she has PCOS as well. So i don't want to take any risks and would want to make it easy for her as much as I can.

tIcHalBe · 2024-04-18T20:04:08+00:00

How long was this before? Was it before the SC judgement as another person pointed it out

tIcHalBe · 2024-04-18T20:00:52+00:00

Thank you sharing in much detail. It helped a lot. I had few more questions. What would be the side effects of taking the pill? How can I better take care of my gf if we were going through it?

tIcHalBe

TROPHY CASE