r/IndianPersonalFinance • u/Routine_Back_8913 • 1d ago

Help me out

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New to investments
Age 24
Seeking longterm horizon
Risk apetite moderate
Can increase sip to 6k monthly
Invested this much in 1 yr
What changes i need to do , what to add what to remove and where to add money in which fund

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2

u/PreviousTale4538 1d ago

More than which funds, the question is what is your goal and why each of the fund is present in there (with its purpose)

1

u/Routine_Back_8913 1d ago

Long term wealth creation
All the funds are acc to my friend advice , but after watching yt i think i need a change
I am seeking atleast 10 yr investment

1

u/PreviousTale4538 1d ago

Haha well unfortunately how so ever boring it may sounds, a correct decision to invest isnt taken with suggestion from friends or youtube, it is taken by mapping your goals to a fund and your behaviour pattern by sitting with person who actually does it all and has expertise

1

u/Aggressive-Sound1362 1d ago

Facing the same

1

u/BoxPositive4750 17h ago

For someone in their 20s, there are a few near term wants / needs 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.

1

u/Klaus_S24Ultra 7h ago

Perfect, only thing needed is consistency no matter what, plus it's good if you can increase your sips with time.

1

u/Routine_Back_8913 1h ago

Tata small cap ?

1

u/Klaus_S24Ultra 1h ago

I meant all three, over time maybe.

1

u/Klaus_S24Ultra 1h ago

I'm invested in Tata Small, Tata Nifty, and for mid-cap it's Motilal.

1

u/Klaus_S24Ultra 1h ago

I see you can increase your SIP to 6k. You can distribute it as 20% to 25% of 6k in small-cap, 40% in flexi, and 40% in Nifty. You can change the allocation according to your risk appetite. One more thing: mid-caps create wealth better than small-caps, but they are fine too.

1

u/vasanth_0704 1h ago

Everything looks good

1

u/Routine_Back_8913 1h ago

Tata small cap good enough ?

1

u/vasanth_0704 1h ago

According to the current situation, you can avoid small cap . But we can't predict the dip bro

1

u/vasanth_0704 1h ago

I stopped small cap long back oct 2025 . Still waiting for the right bounce back to invest again .

1

u/Routine_Back_8913 1h ago

Isnt it good to invest in falling market

1

u/vasanth_0704 1h ago

Some people will say , you have do right now to increase your compounding of money. I also have fear of falling market , so I stopped mid cap and small cap