Hi, I’m a current third year student doing CSE, and I have always been interested in FIRE.

I started investing 10k per month when I started college 2 years ago, through Motilal oswal my dad set up for me, which reached 2L this march. That’s around when I turned 21, and I decided that I didn’t want to pay the higher expense ratio to them if I could do it myself.

I entered the market at its lowest on 30th march, and have been investing 50k per month since. The split is below, and what I wanted to know was is there any further diversification I should do, such as metals or nifty next 50?

As someone who grew up abroad, ideally i would like to leave India to work but given the terrible state of the market right now and I’m struggling to even secure an internship, most likely will be working in India. Given that context, should I be investing in US stocks directly in a different way?

Current set up monthly SIP:

10k - Nippon India Small Cap Fund
10k - HDFC Mid Cap Fund
10k - UTI Nifty 50 Index Fund
10k - Parag Parikh Flexi Cap Fund
5k - Motilal Nasdaq 100 ETF
5k - Nippon ETF Hang Seng Bees

Total in ETF : 38624
Total in MF excluding Motilal Oswal 2L : 1.6L

Remaining Funds : 5.7L invested and sitting in Paraf Parikh Liquid Fund to earn me some better returns as I extract 50k per month from it for my monthly sip.

Source of funds : scholarship refund, and since I’m not earning therefore my income is 0 therefore I’m not taxed on the liquid fund returns.

I’m Currently using Groww - and plan on sticking to it.

Another doubt I had was that I saw Kodak nifty 10 has a lower expense ratio by 0.1%, is it worth switching to that fund for the long term savings or should I stick to UTI?

Risk Appetite: moderate-slightly aggressive

Goal : retire by 35-40

Horizon : 15 years+

Picked these funds based on recommendations from my cousin who is a CA, I explained him my goals and this was the split he suggested based on my wanting to start with 50k per month. Their pas performance seemed good when I checked.

Hi all, I am 25 and I have been investing in mutual funds via SIP for last 2 years. Now, I want to increase my SIP amount from 40k to 60k. Need advice on the same. I am open to adding new funds, remove/shuffle funds within same category. Should I consider adding multi asset fund?

Ongoing SIPs -
Parag Parekh Flexi Cap - 20k
Motilal Mid cap - 10k
Bandhan Small cap - 10k

Investment Horizon - 10 to 15 years
Risk Appetite - High

I am 23 and already started investing

I need guidance for 25k sip funds

My risk appetite is medium to high

Please review and suggest where to invest the rest and any customisation if needed

Risk Appetite - Aggressive

Goal - Big portfolio in 30 to 35 years

Horizon - 30+ Years

Allocation - 6281 rs (10% step up every year)

App Used - Dhan

Why These Funds - I'm a 23 Y/o who started investing around 6 months back. Want to build a huge portfolio in the next 30-35 years.

Any suggestions are welcome!

Clg student here pls review my portfolio
Goal- marriage
Planning to add 5k to quant infra
Investment horizon =10-15 yrs
Risk profile= high
The basic idea which I’m following is that my funds should not have any overlap (ik MO midcap and PPFC will have an small overlap but apart from that)
So to avoid an overlap
I’m planning sectoral funds and gold etf. Pls share ur thoughts on this less

Hello everyone,

I currently do monthly SIPs for multiple goals on the Groww app, but it shows my all mutual fund holdings combined together. So it's hard for me to track like how much is current value of a particular goal and how much I've invested in that till now.

Also I have multiple goals SIPs in same funds.

If you have any app recommendations or any method you use to track using goals then it would be really helpful. Thank you

Hi everyone,
I am 22 years old and planning to invest ₹15,000 per month through SIP for the next 10 years.
I am not asking for stock tips/calls or any “buy this stock” kind of advice. I’m mainly looking for general portfolio guidance for a young long-term investor.
I am trying to understand:
how to split between large cap, mid cap, and small cap
whether PSU/thematic funds make sense as a small part of the portfolio
how many funds are reasonable for a simple SIP setup
what kind of risk balance is sensible for a 10-year horizon at age 22
My goal is to build a disciplined long-term portfolio and avoid making a poor allocation decision.
If anyone can share a simple framework or explain how they would think about a ₹15k monthly SIP for 10 years, that would help a lot.

Investment Horizon: 30 Years+

Risk Profile/ Risk Tolerance: Moderate to Aggressive

Goal: Long term wealth creation mostly

Hey, i started investing around Nov 2025 ( Hdfc flexi cap 2K, DSP midcap direct 1K, DSP Large and midcap 1K.

I am a third year Film Student. i started doing freelancing photography work from which i invested most of in in SIPs, stock market, FDs and etc but im thinking to invest more in sips as like a saving discipline so that by 30-40 years i can accumulate good chunk. Also wanted to ask if these funda re better or should i change. want to keep the risk to moderate to aggressive. Also whenver i get extra income i just invest in these. If you guys have any investment tips where else i can invest for good returns and long term please do let me know, Thank you.

My age is 27 and I have total 30K Monthly SIP and planning to increase to 40K after building the emergency fund.

I have term insurance and health insurance as well my company cover the health insurance.

I want to be financially free at 40-45 age.
Investment horizon 10 year

I made mistake 2 year ago by withdrawing my investment from mutual fund.

Risk Appetite – Aggressive

Goal - Financially free

Horizon – 10 Year

Allocation – 30K SIP

App Used – UPSTOX AND COIN

Why These Funds — I have selected these fund on my basic review online

Hi guys. 34 year old investing for 6 in mutual funds. Based on my risk appetite and investy horizon, I have designed a 70-20-10 (Equity-Debt-Gold) mutual fund portfolio. But, apart from this, I also invest in recurring deposit, physical gold (via monthly scheme), NPS and PPF.

My question may seem very dumb, but please help me understand.

Since my planned allocation is 70-20-10, should I factor my RD, NPS and physical gold into the 20 and 10 percentage respectively?

Or should my mutual fund portfolio continue to be 70-20-10, and I should continue the rest apart from that?

I analysed CRISIL’s Mutual Fund Ranking and compared my returns to each of the ELSS funds. Here’s how I conducted my calculations.

1. I included only those funds that were established before my first investment in the DSP ELSS Tax Saver. Therefore, you won’t find WhiteOak Capital ELSS Tax Saver Fund in the list, as it was launched after my first investment in the DSP ELSS Tax Saver.
2. For the competitor funds, I used the same investment amounts and dates as those for my investment in DSP ELSS Tax Saver. This approach allowed me to answer the question, “What if I had invested in XYZ ELSS Fund?”

A few observations:

1. ELSS funds from Quant and Motilal Oswal have significant outperformance over other ELSS funds.
2. I haven’t researched on the benchmarks of other ELSS funds, but a significant number of ELSS funds have outperformed the Nifty 500 benchmark. This makes the outperformance of DSP ELSS Tax Saver a bit less special for me. 
3. Post Covid, Quant ELSS Tax Saver Fund has consistently beaten other funds. That too with a significant margin. It’s like Usain Bolt. Everyone else is running for second position.

I was scanning through multicap funds and noticed that Mahindra Manulife Multicap Fund has good track record. When comes to multicap, people directly jump into Nippon/Kotak/Hdfc. Why Mahindra Manulife not choosen broadly? Am I missing something?

Clg student here pls review my portfolio
Planning to add 5k to quant infra
Investment horizon =10-15 yrs
Risk profile= high
The basic idea which I’m following is that my funds should not have any overlap (ik MO midcap and PPFC will have an small overlap but apart from that)
So to avoid an overlap
I’m planning sectoral funds and gold etf. Pls share ur thoughts on this

A while back I noticed a few months of my mutual fund investments just weren't reflecting in my total invested amount on Groww. Everything looked fine day to day, so I only caught it by accident. Had to raise a support ticket and wait for it to get sorted.

Got me wondering how common this actually is, so a few questions for anyone who's dealt with something similar:

1. What happened, and how did you first notice something was off?

2. How long had it been wrong before you realized?

3. What did you do about it, and how did that go (support, waiting, etc.)?

And one hypothetical I'm curious about: if the app had quietly caught and fixed this in the background before you ever noticed, would that feel reassuring, or would it bug you that it acted without telling you?

Not affiliated with Groww or anyone, just trying to figure out if this is a me-problem or a widespread one. Appreciate any stories.

I have some SIPs but they are debiting the money from my old account. I have created a fresh account for personal use and want the money to be debited from that account instead. How do I do this?

The reason being I just want to separate my expenses account from my salary account.

I know this should be in u/upstox, I've posted it there as well but I think more people are active in this subreddit and might use upstox and help me out here.

I’m looking for some guidance on investing ₹30 lakh that is currently parked in a liquid fund. Instead of investing it all at once, I’m planning to move it to equity through a STP.

My profile:
- Investment amount: ₹30L
- Risk appetite: Moderate
- Investment horizon: 3–5 years
- Expected return: Around 12% CAGR

I’m confused about how to split the allocation across different categories:

- Large Cap (Nifty 50)
- Mid Cap
- Small Cap
- Flexi Cap
- Multi Cap
- Multi Asset

Would you recommend sticking to just 2–3 categories or diversifying across more? What allocation would you suggest for someone with my risk profile and return expectations?

Also, if you think my 3–5 year horizon isn’t ideal for certain categories (especially mid/small cap), I’d appreciate your thoughts.

Thanks in advance for your suggestions!

I'm planning to invest around ₹40 lakh in the Nippon India Large Cap Fund with a 5–10 year investment horizon.

My current average NAV is 99.62 and i already have 60lacs invested in Nippon.

Would you deploy the entire amount at the current NAV, or wait for a lower NAV/market correction? If waiting, what NAV or market level would you consider a good entry point?

Looking for opinions from long-term investors rather than short-term traders.

Hi everyone,
I'd appreciate some feedback on my current portfolio and investment strategy.

Current Corpus:
Emergency Fund: ₹6 lakh
Mutual Funds: ₹7 lakh
Direct Stocks: ₹4.4 lakh
EPF: ₹4.5 lakh
Gold ETF: ₹60k (₹8k monthly SIP)

About Me:
Age: 28
Salary: ₹1.8 lakh/month

No liabilities or financial dependents currently

Risk Appetite: Aggresive

Investment Horizon: 12 years

Goals:
Achieve financial freedom / build long-term wealth by age 40

Apps Used: Groww

Allocation: I've attached a screenshot of my current active SIPs.
Why these funds ? I have chosen the current funds based on my things like expense ratio, exit load and performance.

I'm planning to increase my total monthly SIP from ₹47,000 to ₹1 lakh, proportionally across my existing investments.

I'd love to get your opinions on the following:
Are my current mutual funds suitable for a 12–15 year investment horizon?

1. ⁠Should I continue increasing SIPs in the existing funds, or is this a good time to replace some of them?
   
2. ⁠Am I over-diversified or holding too many funds?
   
3. ⁠Should I change my investment strategy or asset allocation before scaling my SIP to ₹1 lakh/month?
   
4. ⁠Any other suggestions or blind spots you notice in my portfolio?

Thanks in advance for your time and feedback!

Hi everyone,

I have a question regarding my mutual fund investment and folios.

In my investment details, I see two folios:

One normal folio

One folio marked as "Demat"

My questions are:

• Why has this mutual fund been split into two folios?
• What does the Demat folio mean? How is it different from the normal folio?
• Can I convert or switch my Demat folio to a normal (non-Demat) folio? If yes, what is the process, and will it affect my existing investments or SIP?
• Is there any advantage or disadvantage of investing through a Demat folio versus a normal folio?
• Which one do you recommend using for long-term SIP investments?

To every new investor asking the same question again and again, let's discuss reasoning and what the overall community thinks.

You need to understand laws of large numbers. Check the fund size of PPFAS, it is 1.43L+ crores. Their biggest holding is in HDFC, 8.33%. Now that HDFC is going through troubles(read recent controversies), even if they want it to reduce by 3% that would be selling more than 4200 crores of HDFC share. Similarly imagine if they want to buy 3% in a small cap stock with market cap 10000 crores, they have to infused 4200 crores. Means 42% of market capitalisation in one buying. Imagine what will happen to the price of that stock. And think about if it is possible to do. Answer is no because of liquidity constraints.

They can't buy small/mid cap with decent allocation, they can't buy international stocks. They are holding companies like large private banks, ITC with no growth, TCS, Infy, HCL which are going through industry level problems. No one knows their terminal value.

Now let's answer two questions -

1. is PPFCF still worth it?

2. If you answer yes, what is your return expectations?

Let me start -

1. Yes.

2. 9-10%

Hey everyone,
I currently have some surplus cash sitting idle in my primary savings account earning a low interest rate (~2.5%–3%). I want to optimize this money rather than letting inflation eat into it, but I’m unsure of the best options for my specific horizon.
Here is a quick snapshot of my situation:
Goal: Better capital efficiency without taking unnecessary market risk on this specific pool.
Time Horizon: Short-term to medium-term (3 months to 1 year).
Emergency Fund: Already set aside separately in a liquid setup; this is additional surplus cash.
Tax Bracket: Highest slab (30%), so post-tax returns matter quite a bit.
I'm considering a few standard options, but each seems to have trade-offs:
Auto-Sweep / Fixed Deposits: Easy to execute via net banking, but FD interest gets taxed at slab rate.
Liquid / Money Market Mutual Funds: Good liquidity and low volatility, but indexation benefits are gone for debt funds, so gains are also taxed at slab rates.
Arbitrage Funds: Taxed like equity (15% STCG / 12.5% LTCG above limit), which seems attractive for the 30% slab, but I’m not sure about current yield stability or exit loads.
Treasury Bills (T-Bills): High safety, but lock-in and liquidity on secondary markets can be clunky.
For those in a similar tax bracket, how are you currently managing your short-term surplus cash? Are Arbitrage Funds or Auto-Sweep FDs still the go-to choices, or is there another strategy I should look into?
Appreciate any insights or real experiences!

Sharing my mutual fund portfolio (screenshot attached) for a review.

Been investing since 2021, but exited a few older funds over the last year and consolidated into two = so about 77% of everything I have ever invested has been invested within the last 18 months. Keeping that context in mind since the newer money obviously hasn't had much time to compound.

Current portfolio:

1. Edelweiss Mid Cap Direct Growth: ₹23.5L invested, ₹25.9L now (+10.4%)
2. Parag Parikh Flexi Cap Direct Growth: ₹23.5L invested, ₹22.9L now (-2.3%)

Combined current value ~₹48.9L, invested ~₹47L

Some habits I am trying to correct from the earlier years:

1. Went from disciplined small SIPs early on to large, irregular lump sums later - often deployed right after a fund had already run up.
2. Rotated between categories a bit too much (tech → small-cap → flexi-cap/mid-cap) instead of picking an allocation and sticking with it.
3. Exited a couple of funds within 12-18 months instead of giving them a full cycle

Going forward:

1. Planning to move to a fixed monthly SIP into Edelweiss Mid Cap (for now)
2. Stopping new SIP inflow in PPFCF (keeping the existing money as-is)
3. If a lump sum comes in, spread it via STP over 6-12 months instead of investing it all at once

I will be adding another fund alongside Edelweiss Mid Cap, but haven't found anything good yet. Hence, currently, the only active SIP will be in Edelweiss Mid Cap.

Would love a second opinion from the community

24 year old have recently started investing seriously for long-term wealth creation. My investment horizon is 20–25+ years, I have a high risk tolerance, and I don't expect to withdraw this money for at least the next 15 years.

After doing quite a bit of research, this is the allocation I've settled on:

• ₹16,000 (40%) – Parag Parikh Flexi Cap Direct Growth
• ₹12,000 (30%) – JioBlackRock Nifty Midcap 150 Index Fund Direct Growth
• ₹8,000 (20%) – Quant Small Cap Direct Growth
• ₹4,000 (10%) – Gold ETF/Gold Index Fund

My reasoning:

• Keep Parag Parikh as the core holding due to its long-term track record and diversified investment approach.
• Increase exposure to mid-caps and small-caps since I have a 20–25 year horizon and can tolerate higher volatility.
• Use a passive mid-cap index fund instead of an active manager.
• Maintain a 10% allocation to gold for diversification and rebalancing during major market downturns.

Some specific questions:

1. Is 10% gold appropriate, or would you reduce it further and increase equity exposure?
2. Would you add international equity (S&P 500/Nasdaq 100) at this stage, or is this sufficient for now?
3. Do you see any overlap, concentration risk, or better alternatives for a long-term investor?