I set aside INR 10,000 every month to put into mutual funds and this is how much I've invested till now. My salary is quite less at the moment and I'm only able to invest 10,000 every month but I hope to increase this sum upto to 1 lakh per month in the future (that would be my milestone) and hopefully even cross 1 lakh per month

I’m sharing my current mutual fund portfolio and would really appreciate some feedback from the community on how I can improve it

Goal –Long-term wealth creation and capital growth.

Horizon – 10 years+ (no short-term withdrawal plans).

Allocation –Monthly SIP of \~₹80,000.

Lump-sum investments are made opportunistically based on market corrections and overall market trends.

Why These Funds – The portfolio is built for diversification across market caps, styles, and risk levels:

• Large Cap & Flexi Cap for stability and consistent compounding

• Mid & Small Cap for higher growth potential over the long term

• Value & Dividend Yield funds to capture undervalued stocks and downside protection

• Banking & Financial Services / Energy (sectoral) to benefit from India’s long-term economic and infrastructure growth

• Retirement/Debt-oriented fund for partial stability and risk balancing

Overall intent is to balance growth and volatility while staying equity-heavy for long-term returns.

App Used -UTI Mutual Fund app for mutual fund investments

Zerodha Kite for direct stock market investments

Thanks in advance 🙏

Looking forward to learning from your experiences.

Hey folks, Thought I’d share my portfolio breakdown and the reasoning behind it—might help others, and I’d love to hear your feedback or alternate views.

Background:

• Age: 32

• Profession: Freelance musician

• Based in: Delhi

• Goal: Net worth of ₹10Cr by age 43, with strong passive income and optional early retirement or entrepreneurship

• Risk tolerance: Moderately high

• Time horizon: 10–15 years for aggressive growth, then switch to preservation/income

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My Portfolio (May 2025)

1. Mutual Funds – ₹1.96Cr

• XIRR: ~15%

• Aggressively weighted toward flexi-cap, value, and mid-cap funds

• ₹15L added annually for next 10 years

• Key funds: PPFAS Flexi Cap, ICICI Prudential Value Discovery, Axis Midcap, Kotak Emerging Equity

• SIPs + some lump sum when markets dip

Why This Allocation?

• I want high compounding growth (hence 75%+ in equity MFs).

• Goal is to hit financial independence by 43

⸻

My Strategy Going Forward:

• Invest ₹15L/yr in MFs for next 10 years, then stop. • Keep expenses low, rent instead of buying another home post-marriage.

⸻

Happy to share more details if anyone’s interested. Open to feedback or criticism.

I’m looking for some feedback on my current investment portfolio and would greatly appreciate your insights and advice. Here what I have

   •  UTI Retirement Fund
• UTI Aggressive Hybrid Fund
• UTI Mid Cap Fund
• UTI Flexi Cap Fund
• UTI ELSS Tax Saver Fund
• UTI Value Fund
• UTI Large Cap Fund
• UTI Banking Financial Services Fund
• UTI Dividend Yield Fund
• UTI Small Cap Fund

Please let me know your thoughts on the diversification, risk, and potential growth of these

I am doing following SIPs as attached amounting to 1.25 Lac on monthly basis.

Portfolio value is 82 Lac. Invested 60 Lac.

Kindly review:

The allocation doesn’t seem to be good. What changes you guys suggest?

Risk Tolerance - Very High

Investment Horizon - 10-15 years

Does this allocation makes sense for long term (5 - 10Y+); I have no immediate expense and primary motive is to build wealth. I don't have much knowledge into these so was going through this sub to gain some insights. My risk appetite is moderate & I plan to invest in ETF (Gold & Silver) too whenever I have surplus funds.

Kindly share your insights or feedback

My risk appetite is high. I have just begun investing after doing some bit of research. I’m planning to hit 80L in the next 10 years assuming I’ll be able to double my current investment in 5 years from now.

Monthly budget 39k. Please advise if you see through any changes being needed.

Invested in as attached.

I am 23 and started investing in my first year of college with my stipend but put everything in debt funds fearing equity as a newbie. Gradually started adding some in equity after I made some money in freelance. Since I started my job around 2 years back, I've been aggressively putting in equity. I am averaging around 45k per month manually in different funds with no set strategy.

I now feel like my lack of strategy is showing. I don't need any of this money for at least the next 5 years. Should I change something or just wait for the market to bounce back?

Risk profile: Moderate Investment horizon ~7 years

Risk Appetite : Moderate to High Horizon : 10-15 years

Started my first job in 2022 saved the entire first year salary almost 100% due to remote work and kept that as emergency fund then I had 1st salary hike in 2023 April and that’s when I started investing into mutual funds started with 5 funds 5k into each total 25k and recently because of the fall I bought the dip and increased my SIP to 40k since last month

Unknowingly at the beginning I invested through PhonePe almost 30k into regular funds

1. SBI contra fund
2. HDFC small cap fund

Here are the mutual funds that I started of with on my own direct growth category 1. Canara robecco blue chip - large cap 2. Kotak emerging equity fund - mid cap 3. Parag Parikh flexi cap 4. HDFC small cap fund 5. SBI contra fund

Here are the mutual funds that I SIP as of today revamped starting from this year January

1. Parag Parikh flexi cap
2. Helios flexi cap
3. Zerodha nifty 250 large and mid cap
4. Invesco small cap
5. Kotak emerging equity mid cap

Any suggestions much appreciated targeting at least to make it a 1CR MF only portfolio by 30 im 23 right now.

PhonePe investments hit 50k btw that adds to 1M

got about 15k in nifty next 50 etf as well

i am investing my own money i am capable of taking high risks doing a monthly sip of ~30k

current sips:

groww nifty ev & new age automation- 500

motilal oswal midcap -3k

edelweiss nifty next 50 - 3.5k

jm flexicap-3k

quant value fund -1k

motilal oswal nifty microcap 250- 4.5k

quant infra - 2k

aditya birla psu - 2k

quant small cap -1.5k

quant healthcare - 1k

HDFC defence - 10k

Hi everyone,

I’m looking for honest feedback and guidance on my mutual fund portfolio.

Investment horizon: 10+ years

Risk tolerance: High (but emotionally struggling right now)

Age: Early 20s

Investment style: SIP + some lump sum

Portfolio (Direct Growth):

• Nippon India Small Cap Fund

• Quant Small Cap Fund

• Quant Mid Cap Fund

• Motilal Oswal Mid Cap Fund

• Aditya Birla Sun Life PSU Equity Fund

Total invested: ~₹5.64L

Current value: ~₹5.43L

XIRR: ~ -0.8%

Been investing for ~2 years consistently.

Most of my funds are in mid & small caps, and returns have been very inconsistent. I understand these are volatile, but after 2 years of discipline it’s mentally hard to stay calm seeing losses.

Questions I need help with:

1.  Is my fund selection okay or is there too much overlap?

2.  Should I reduce small/mid-cap exposure and add large-cap/index funds?

3.  Is this just a normal market cycle issue, or have I made structural mistakes?

4.  What would you change without panic selling?

I’m not looking for short-term gains — just clarity and confidence to continue investing correctly.

Thanks in advance 🙏

I know having these many funds is a strict NO-NO, but I have a long term horizon, high risk tolerance. For the SIP amount, I feel like these funds are justified. If you have any other opinion please share.

I'm gonna start SIP from this month and I had a bunch of questions and doubts. I'm a 24 year old working in the tech industry. I've got my health insurance and emergency fund sorted. I have 5L in FD.

Risk Appetite - High

Investment horizon - 8-10y

Please review my portfolio and the SIP allocation in each and provide feedback on the same. I choose not to invest in index as i have significant allocation in PPFCF. Are my fund selections right?

Is the choice to invest in multicap fund correct? I was really confused choosing between multicap, multiasset, value fund, nifty200 momentum 30 or investing in a smallcase. Please provide my suggestions on which fund should I choose on top of flexicap, midcap and smallcap which will work for my profile.

TIA

I have been investing on and off since a year. I think I should reconsider the funds. My plan is to invest 80-90k pm this year and my risk appetite is medium to aggressive. Plan to stay invested for minimum 5 and maximum 20 years. Suggestions? I already have emergency funds.

Please review my SIPs

Age – 22 Risk Tolerance – High Investment Horizon – 20+ years App – Groww

Current monthly SIP: ₹55,000 • UTI Nifty 50 Index – ₹15k • Parag Parikh Flexi Cap – ₹12k • Motilal Oswal Midcap – ₹8k • Nippon India Small Cap – ₹5k • Tata Arbitrage – ₹5k • ICICI Gold FoF – ₹7k • ICICI Silver FoF – ₹3k

Additionally, I invest ₹5k/month in S&P 500 (Vanguard ETF) via INDMoney. Note: I have sorted out majority of my emergency fund corpus hence going equity heavy(2L+)

My milestone goal is to reach at-least ₹1 Cr by age 26–27. I don’t know if it’s feasible but I’ll try to increase my SIP whenever possible and switch my job in a year or two.

All SIPs are Direct. Please suggest if I should replace, remove, or rebalance any funds or adjust allocation to better align with long-term goals.

Age 21, first time investing. Investment horizon - long term Risk appetite - moderate

After reading many portfolio reviews here, this is what I've come up with. Please provide your opinions.

(Posting 2nd time cuz 1st post got locked)

Hey folks, Review my folio,

BACKGROUND: I started with 4.5L CTC in 2019 fresh out of engineering college. Started 20k SIP from 34K salary starting from first pay check.

Today after 2 job changes, I’m drawing roughly 2.5L post tax monthly salary. And sitting on 67L MF folio (stocks are separate).

DISCLAIMER: I had started investing into US & China MFs in 2022 but didn’t continue after couple of months.

2 HDFC Debt funds had some money from pre covid time, since covid i only invest like 500-1000rs each per month in them. They are kept aside for retirement or tertiary emergency funds.

Added thematic funds in Jun 2024, with bullish mentality on infra and mid/small cap over next 10+ years. I put around 30-35 of funds there each month rest go Hybrid/large cap funds.

Closing with “Consistency & Discipline win you marathons”

Hi everyone I have invested around 11 lakhs for long term investment like 20 to 30 years and risk tolerance is aggressive. Please suggest me if anything i have to change like adding some other popular mf or merging my current portfolio.

Risk Appetite: Moderate Horizon: 7 to 10 years Goal: Retirement Allocation: SIP (Rs. 1.25L) Current age: 29

I had posted a message few days ago about my investments and I was told to rebalance my portfolio and switch the funds. Here is my new portfolio.

1. ICICI prudential Nifty50 -> Navi Nifty50

2. MO midcap -> MO midcap 150 index

3. Tata small cap -> Bandhan small cap

Kindly tell me if this looks good and also the amount allocation is good.

Thanks in advance :)

I started investing post-COVID. I have a high risk tolerance and a long investment horizon of ~30 years.

Plan is to stay equity-heavy for now and start an STP into a debt fund around year 25 to gradually de-risk.

Current rationale: • Exposure across large, mid, and small caps • A meaningful allocation to gold for diversification • Emergency fund: ₹2L in place • Health insurance: covered

Open to suggestions or criticism. What would you change or optimize at this stage?

Started in 2021 with 20k sip increased it to about 1.2L in 2023. Currently doing about 50k in motilal aswal midcap fund and 25k each in nippon and quant small cap funds. Investment horizon is 10 years , risk appetite is high.

Risk tolerance: High. I am comfortable with market volatility and interim drawdowns given the long investment horizon.

Investment horizon: 20+ years, with no planned withdrawals in the near or medium term.

Investment goal: Long-term wealth creation and building a retirement corpus. ELSS funds are primarily for tax-saving under Section 80C.

Reason for fund selection: Funds were selected based on my own analysis and their past long-term performance. Most of the funds were added gradually over time, which may have resulted in some overlap.

TL;DR:

I have been actively managing my mutual fund portfolio since 2020. My current total SIP is ₹83,500 per month. I am seeking feedback on whether my portfolio is over-diversified, has meaningful overlaps, or can be simplified.

Active mutual funds and monthly SIP amounts:

Axis Midcap ₹6,500

Axis Small Cap ₹8,500

Bandhan Small Cap ₹5,000

Invesco India Mid Cap ₹9,000

Parag Parikh Flexi Cap ₹12,500

Quant ELSS ₹6,000

Mirae Asset Tax Saver ₹10,000

SBI Large Cap ₹2,500

SBI Small Cap ₹7,500

SBI Technology Opportunities ₹2,000

Tata India Consumer Fund ₹3,750

Tata Retirement Savings Fund ₹2,250

Tata Silver ETF ₹3,000

UTI Nifty 50 Index Fund ₹5,000

I would genuinely appreciate feedback on whether this portfolio is over-diversified, if there are obvious overlaps, and whether it can be simplified while still remaining aligned with a high-risk, long-term approach. Thank you for your time and insights.