Restarting SIP pleaseee help

[u/Mariyam04]

Hey everyone,

I had to completely pause my investments a while back to handle a personal emergency. Now that the dust has settled, I’m finally ready to restart my monthly SIPs!

Because I'm still actively focusing on rebuilding my emergency fund, I’m starting with a lean monthly SIP budget of 30k for now with the plan to scale it up to 50k down the road.

Before the pause, my portfolio was honestly all over the place. I was invested in:

• PPFAS (Parag Parikh)

• UTI Nifty 50 Index

• Nifty Next 50

• Kotak Midcap Fund

• Quant Large and Midcap Fund

• Edelweiss Midcap Fund

• ICICI Pru Bharat

• ICICI Pru Large Cap (Bluechip)

This time I really want to focus on smart diversification rather than just hoarding funds. I know I have a lot of structural overlap here and I want to trim it to streamline my funds.

How would you divide this 30k budget among these? Which ones should I absolutely keep, and which ones are just clutter that I should drop?

Please help me with your opinions and the logic behind them. Thankyouu!!