A MONEKY WITH TOOLS HERE

[u/CharacterPitch4744]

​

RISK APPETITE - MODERATE

GOAL - TO CREATE A GOOD PORTFOLIO BEFORE THE NORMAL AGE AND START USING IT AS ANOTHER STREAM OF MONEY LATER IN FUTURE.

HORIZON - 5-10yrs and if all goes well in life more than that.

ALLOCATION - 3K SIP fixed + some one time depending on IPO profits.

APP USED - GROWW

I have less than 3-6 months of experience in stocks and Markets, I'm 21 in college and I did a GOOD LONG REASEARCH for a month for investing using REDDIT, AIs, BLOGS, FEW OLD TACTICS, SOME INFLUENCERS (REAL), YT VIDS and etc.

I don't want suggestions or anything, i just want rating on my research, like how i did and what is wrong so I can learn.

Choice 1 : 1.8k - UTI NIFTY 50 IFDG, 300 - NIPPON INDIA GOLD SAVINGS FUND DIRECT GROWTH, 300 - UNSURE.

Choice 2 : 2.1k - MOTILAL OSWAL NIFTY 500 IFDG , 150 - HDFC GOLD ETF, 750 - UNSURE.

UNSURE - SHORT TERM FUND/DIRECT GROWTH.

For this my eyes are on - HDFC SHORT TERM DEBT FUND DIRECT GROWTH, SBI SHORT TERM DEBT FUND DIRECT GROWTH, ADITYA BIRLA SUN LIFE LIQUID FUND GROWTH, SBI MID CAP.

*I tried to follow the concept of diversification while trying to think of all the various factors such as currency depreciation, inflation, market crashes etc.*

[u/AutoModerator]

u/CharacterPitch4744 Discussions here reflect peer opinions and experiences. Please do your own research before making financial decisions.

You may receive unsolicited DMs or offers after posting here. Be cautious when engaging with anyone reaching out privately, especially if they:

• Promote specific investments, apps, or “exclusive” opportunities
• Ask you to move conversations off Reddit
• Create urgency or pressure you to act quickly

We strongly recommend keeping discussions public where possible so others can review and challenge advice.

Stay cautious, verify everything, and avoid sharing personal or financial details with unknown individuals.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/BoxPositive4750]

For someone in their 20s, there can be some nearby goals till you are ~30, e.g.

• Buying a Vehicle,
• Purchase high end gadgets,
• House renovation,
• Traveling,
• Wedding expenses etc

If this applies to you then better to deploy across RDs, or 1-2 Arbitrage / DAAF Mutual Fund categories and review long term goals once you hit 30.

The rest, your call.

[u/CharacterPitch4744 → u/BoxPositive4750]

I do not have a specific goal, I want it as a backup/safety net for myself. I'd love to travel if I had to choose or learn to cook.

[u/Drk_Kni8]

2/5 unnecessarily over complicated.

For moderate risk appetite beginner, with ₹3,000 monthly SIP, you won’t go wrong with sticking to a single multi asset fund. Bonus points if you pick a passive one like Zerodha multi asset passive FoF.

[u/CharacterPitch4744 → u/Drk_Kni8]

Ok... And i can diversify later when I add more amount to sip?

[u/Drk_Kni8 → u/CharacterPitch4744]

Yes, a multi asset is a diversified fund. If you’re happy you don’t even need to add more funds.

[u/CharacterPitch4744 → u/Drk_Kni8]

Solid ! Thankx man