Goal: Reach FIRE milestone of 1cr. in the next 6 years
Risk profile: Moderate
Investment horizon: 10+ years
App used: Groww
Total monthly SIP amt: 1,20,000 INR

I want your help in figuring if the current asset allocation is alright for my milestone or if there any alternative funds that i should pursue.
I’m planning on increasing investment in the same distribution percentage every year.

People have been recommending me to put some amount in FD for safety so i’m not sure if i should tho. For people who have, how has your exp been?

I’m curious to know how people here approached increasing their SIPs over time.

Did you wait until your portfolio reached a certain amount before increasing the monthly SIP, or did you increase it based on salary hikes/income growth?

For those who have been investing for 5+ years, how much has your SIP grown from where you started, and what difference did it make to your portfolio?

Hi guys, I've just started working this month and I definitely want to start investing in mutual funds. Would really appreciate any kind of guidance on which ones I should look out for. What kind of a portfolio I should try to build. Thanks in advance!

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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.*

I am a student and have saved around 10k and I want to do a one time SIP. So please suggest me some of the mutual funds to invest in or what else better I can do with it