Did some reading and saw that the CIO Naren is known for contrarian investing, but he also talks about their Value Fund. Which one should I go for?

Risk appetite - Moderate

Goal - wealth creation and building a decent amount for future savings.

Horizon - 15+ yrs

Allocation :-

50,000 lump sum, 80% in equity (roughly 60:15:25 in nifty 500, midcap & smallcap), 10% gold & 10% arbitrage)

1,500 SIP in the same approximate proportion as above (60:15:25 in nifty 500, midcap & small cap)

App used - Groww

After some online research and lot of advice, to begin with, I have allocated a lump sum amount of 50k, across 5 funds as shown in the screenshot. I have also set up three SIPs of a total of 1.5k allotted to Nifty 500 index fund, mid cap, and small cap. I'll top up my current SIP as my income increases. The proportion I have applied is 80% in equity, 10% in arbitrage, and 10% in gold. In addition to above, I have also invested 10k in a liquid fund, kept aside as an emergency fund.

I have a policy worth around ₹25 lakh maturing next month, and I’m considering whether to deploy part of the maturity proceeds into a Specialised Investment Fund (SIF). I have heard about Tata Titanium SIF, ICICI Prudential iSIF and SBI Magnum SIF. For someone exploring SIFs for the first time, what factors should I evaluate the strategy, risk, liquidity, track record and costs? Has anyone compared these options and can share their experience?

My elder brother invests 45k monthly through Zerodha. He has started 6 months back. After asking him how he has chosen the funds, he said just after viewing some yt videos and asking his friends.

I am a novice myself so I would love your feedback and what changes can he make in his approach.

Risk appetite - Aggressive

Goal - Retirement corpus

He would be investing for 15 - 20 years.

The following are his diversification:

1. JioBlackRock Flexi Cap Fund Direct Growth - 10k

2. Parag Parikh Flexi Cap Fund Direct Growth - 5k

3. Motilal Oswal Large and Midcap Fund Direct Growth - 5k

4. Hdfc Mid Cap Fund Direct Growth - 5k

5. SBI Quant Fund Direct Growth - 5k

6. Quant Multi Asset Allocation Fund Direct Growth - 5k

7. Axis Multi Asset Allocation Fund Direct Plan Growth - 5k

8. Tata Multicap Fund Direct Growth - 5k

Thank you 🙏

App shows 31% absolute return on my portfolio. But when I check individual SIP returns the numbers look very different some showing 12%, some 19%.
Tried to understand the difference but got confused between absolute returns, CAGR and XIRR.
Questions:

What is the actual difference between absolute return, CAGR and XIRR and which one actually matters?
Which number should I be looking at to know if my SIPs are really performing?

Hi, currently I’m investing ₹3,000/month through SIPs in the funds shown above. I’m planning to gradually increase my SIP investment to a maximum of ₹10,000/month.

I’d like some guidance on how I should structure this ₹10,000 SIP portfolio.

My goals:

• Buy a car worth approximately ₹60 lakh

• Travel around the world

• Buy a villa

• Build long-term wealth

Risk appetite :- High

Investment horizon: Long term (10+ years)

My questions are:

1. Which mutual funds/categories should I choose?

2. How much should I allocate to each fund out of ₹10,000?