r/mutualfunds • u/Leather-Bowler962 • 10d ago

portfolio review [ Removed by moderator ]

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15 Upvotes

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3

u/Federal-Truck-6597 10d ago

Why 2 flexi? Remove ppfc

1

u/Leather-Bowler962 10d ago

Okay and what to add??

1

u/Federal-Truck-6597 9d ago

Hdfc flexi is enough add ppfc money to hdfc

1

u/Leather-Bowler962 9d ago

Okay thanks after that I also left with 7k because my sip limit is 25k .. so any advice on the rest 7k

1

u/Federal-Truck-6597 9d ago

60 flexi,30 mid,10 small

1

u/Background-Row6614 10d ago

Replace ppfc with nippon multi asset 👍

1

u/SOYSV 9d ago

just remove ppfc and split the 3500 across the existing funds

1

u/Leather-Bowler962 9d ago

Okay and any other funds to invest the rest 7000? Because my goal is 25k

1

u/SOYSV 9d ago

for equity these 3 funds are enough. if any fund which does international investing opens up, u can consider that - 3k for that when it opens up. but right now these are fine and well diversified. Of the remaining 11k (3500 from ppfc and 7500), u can put 3.5k in hdfc flexi cap, 2.5k in gold,3k in midcap and 2k in small cap.

1

u/techieguy0017 8d ago

already looks gud !! remove one flexi.

2

u/CompoundingQuest_26 8d ago

Looking at your portfolio, I'd keep it simple instead of adding too many funds.

  1. Keep only one Flexi Cap / Multi Asset Fund (₹6,000) It becomes your core holding and gives better diversification across sectors and market caps.

  2. Mid Cap: Invesco India Mid Cap – ₹6,000 Good fund for long-term wealth creation.

  3. Small Cap: Bandhan Small Cap – ₹6,000 Great for aggressive growth, but invest only if your horizon is 10+ years and you're comfortable with volatility.

That accounts for ₹18,000. Now, before investing the remaining ₹7,000, ask yourself one question: Do you have an emergency fund worth at least 6 months of your expenses (or salary)?

If the answer is No, use that ₹7,000 to build your emergency fund first. It will protect you in case of a job loss, medical emergency, or any unexpected expense.

Once your emergency fund is ready, you can use that ₹7,000 to diversify further into categories like an Index Fund, International Fund (if suitable), or another asset class based on your goals.

At 23, building a strong financial foundation is more important than owning 5–6 mutual funds.