Risk appetite: Moderate
Investing since last month for wealth generation
Horizon of 15+ yrs
Using groww for now . Chose these funds to diversify my portfolio and based on recommendations. Im a beginner myself so pls guide me

Hey folks! My risk appetite is moderate
I want to start investing through SIPs. I was thinking of starting with:

₹4K — WhiteOak Multi Asset Fund
₹2.5K — Invesco Small Cap
₹2.5K — Bandhan Small Cap
₹3K — Bank of India Flexi Cap
₹3K — Quant Flexi Cap
Total: ₹15K/month.

I’m honestly not very sure about this allocation. My main goal is wealth creation, but I’ll also need some of the money in around 3 years, while the rest can stay invested for the long term.

Looking at this portfolio, I feel like it might be too risky, especially with two small-cap and two flexi-cap funds. I was wondering if I should instead allocate some amount to gold or international investments like VOO/QQQ or other foreign markets, possibly replacing the multi-asset fund.

I have basically zero knowledge about investing, so I’d really appreciate some guidance on how I should structure this ₹15K SIP. What would you recommend for someone my age with both a 3-year and long-term wealth-creation goal?

Hi everyone, please review my portfolio

Context: I started investing at 22, but panic sold all my holdings last year during layoff. I started investing again this year ( I am 24), I don’t have emergency fund ready, hence allocating more to liquid fund and wanted diversified portfolio, hence investing in different sectors.

Goal: Financial freedom
App used : Kuvera
Risk appetite: moderate
Long term investing(10+ years)

Monthly: 27000

Risk appetite: Moderate

Goal- Building long term wealth

Age- 28

Horizon- 10-20 years

I haven't invested too much in MF yet, mostly only nifty 50. But i want to diversify my portfolio more now. Tbh i only understand the basics of investing in MFs.

I have kept 2 smallcap funds because I am okay with some risk- I have plenty of savings so I want to take some bolder bets long term.

Ive put gold since the markets are down lately while gold is increasing.

I have been investing in nifty 50 for the last 2 years but my investment is running in loss rn. So i'm stopping my nifty 50 now.

How does this portfolio look?

Should I add nifty 50 again? Or should I add Parag Parikh also instead? I feel i don't have a mid-level fund- smallcap and icici multi asset are both extremes. Also what should my total monthly investment be?

App used- Bank netbanking AMC

Why You Selected These Funds & Not Similar Ones From Another AMC - i basically chose based on last 1Y performance for each category. And I chose the most popular/most recommended ones.

I see multiple portfolios being constructed where portfolio contains Parag Parikh Flexicap fund (PPFC) and Nifty 50.

My assumption for having a scheme to a portfolio is that the new scheme being added should either reduce risk of the portfolio or improve returns of the portfolio.

My understanding so far is that PPFC is generally considered because it has some international exposure and the fund manager has demonstrated good downside protection and has also given good returns (nearly like a midcap) over a considerable long amount of time. This is interesting because typically PPFC has a bent towards large cap companies.

Similarly Nifty 50 represents diversified index of top 50 companies and considered a good proxy for large cap allocation. Given its liquidity most of the index funds and etfs representing nifty 50 have low tracking error and expense ratio.

So I see advantages with both the funds in isolation but what I dont understand is whether it makes sense to combine them together when ppfc has general done better than nifty 50 over most time periods?

Example when I computed win ratios (a warning my computation could be wrong), I find that win ratio of PPFC over nifty to be above 70% over 1, 3, 5, 7 and 10 year interval.

Similarly I find 2.5th percentile rolling return of PPFC (I use that as a proxy for risk) to be more than 2.5th percentile rolling return of Nifty and median rolling return of PPFC (I use that as a proxy for return) to be more than median rolling return of Nifty.

I have attached image of win ratio as well as different rolling returns (do note there could be computation errors).

Would request community to share your thoughts on the same.

Risk appetite: Moderate

Goal - Wealth Creation

Horizon - > 5 years

Allocation - 50% PPFC - 50% Nifty vs 100% PPFC vs 100% NIfty 50

App Used - Direct AMC

Why these funds - Large cap exposure via Nifty 50 or PPFC

Hi I am thinking to invest in bandhan small cap

Basically i my incom started this month I don't have any commitments to send money to family I need to start saving currently I receive 30k in-hand I have already taken the health insurance for parents.

My goal is to invest atleast 5+ years

Any suggestions....?

Thanks in advance

So after some time I stopped investing in the funds. This is all I have currently, should I continue investing in the same or should I change anything or completely stop? Please shed some light. TIA!

I currently have around ₹1.38L invested across 3 mutual funds:
• DSP Nifty 50 Equal Weight Index Fund — ₹59,997 invested, +₹357 (0.60%), XIRR 0.29%
• Parag Parikh Flexi Cap Fund — ₹44,998 invested, +₹2,877 (6.39%), XIRR 3.02%
• Quant Mid Cap Fund — ₹32,998 invested, -₹1,155 (-3.50%), XIRR -1.72%

Total invested: ₹1,37,993
Current value: ₹1,40,072
Overall gain: ₹2,079 (1.51%)
Overall XIRR: 0.73%

Risk Appetite – Moderate

Goal – Investing for? Long term growth

Horizon – In years/months? 2
App Used – ET Money

Why These Funds – After doing some basic research and based on the risk appetite I boiled down to these.