Need opinions on my MF split up

Age 27, window 20+ years

Is this split up a wise strategy?

1mo ago

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GoofyNarwhal

Stealth1mo

Itni jada dhan rashi ka aap kya karoge sir?

SquishyNarwhal

Intel1mo

GoofyNarwhal

Stealth1mo

😂😂😂 just increase the SIP amount else it will sum up to nothing.

ZippyPancake

Groww1mo

Liquid fund is not needed unless you are putting in ETFs and want to do opportunity investing.
Imo this can be a bit better:
5k- you can change this to hdfc flexi cap
2k- mid cap 2k - small cap 1k - gold 2.5k- Some hybrid fund with debt more than 70%. You can choose Parag Parikh hybrid debt fund.

ZippyPancake

Groww1mo

You are going too aggressive in equity 25% debt is always better.

ZippyPancake

Groww1mo

If you are thinking of emergency fund: you can anytime pledge mutual funds in case of emergency and get loans at 10% interest rate. Hopefully those kind of emergency won’t come.

SleepyBurrito

Groww1mo

Good plan.
Would avoid Liquid fund due to poor taxation. Get any Arbitrage fund instead.

Just target increasing overall investment by 10% every year

SquishyNarwhal

Intel1mo

Thanks.
I didn't know about arbitrage funds.
I chose liquid fund for having something with more liquidity, so I can build my emergency fund slowly. I am a complete beginner in this, just started a few months ago.

What is the use case for arbitrage funds?

SleepyNarwhal

Lowe's1mo

Portfolio looks good but I would suggest since you have invested nifty50, midcap 150, smallcap 250 why can't you just invest nifty500 index?

Nifty 500 is buy the buy market and no hassle to choose and rebalancing. If you see longer term it will outperform other funds and it has minimal expenses ratio. Just one fund is enough put your equity related things over there. And for gold you can buy etfs or sovereign gold bond from rbi retail which is direct platform from RBI