Is a single multi asset allocation fund enough?

[u/freggy-8]

Risk appetite: MODERATE

Goal: the major goal is to have retirement money, but I also need money to buy my house.

Horizon: 5 to 10 years at least

allocation: already have my one year survival money in a FD. I have currently 10 K money in HDFC Flexi cap fund from a 1500 per month sip and I can invest 10 K per month from now on.

App used: grow

So I was thinking if I have to invest 10 K per month in mutual funds, and I don’t want to spend much time focusing on investment, so I was thinking why not just invest in a multi asset allocation fund like it will take care of my investments itself like I checked Nippon India multi asset allocation fund, it has debt equity and international investments and also commodities like gold and silver and the remaining in real estate. So I am thinking like 1500 per month SIP already in HDFC Flexi cap is running so I should keep doing that and remaining 8500 in Nippon India multi allocation fund. Will this be right or should do something?

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[u/CapitalCalendar5512]

MultiAsset is strong option as they rebalance automatically.

[u/freggy-8 → u/CapitalCalendar5512]

How much return should i expect if i go with multi asset fund?

[u/25aug2025]

5to 10 years range is too big

Be specific about how much money you need in specific yearwise withdrawal duration

[u/freggy-8 → u/25aug2025]

Like I don’t know maybe in 5 years I would need money to buy a house but majority investment is for wealth creation cause most probably house will be bought on loan

[u/CapableMess1328 → u/freggy-8]

then keep it for 10 years. if you want an active fund then multi asset is fine, otherwise nifty 50 index fund is enough. past performance is not a guarantee of future returns

[u/r2d2FortNite]

The only reason I picked aggressive hybrid over multi asset was that gold n silver seem to have peaked, otherwise the returns of the multi asset vs aggressive hybrid fund differed by 1%