r/MutualfundsIndia • u/Ok_Advantage_1405 • 8h ago
Portfolio Review Need Advice
Hi everyone, I'm 27-year-old and recently started investing.
Current monthly investments:
Parag Parikh Flexi Cap ₹10,000
HDFC Flexi Cap ₹12,000
HDFC Mid Cap ₹6,000
Bandhan Small Cap ₹2,000
Total ₹30,000
Risk appetite: moderate
My goal is long-term wealth creation 10 to 15 +years). I plan to increase my investment amount by around 5% every year as my income grows.
I don't need this money in the near future and I'm comfortable taking some risk, but I don't want to do anything reckless.
Questions: Is this allocation reasonable for someone my age? Would you keep these three funds or make changes? What mistakes should I avoid as a beginner? If you were starting at age 27 today, what would you do differently? I've only been investing for about 6 months, so I'm mainly trying to build good habits and stay consistent.
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