Portfolio Disclosure who was born in 1987

Hi everyone, writing this post just to know how the same age and like minded people have their investment portfolio running.

I was born in 1987 and started my investment around 2018 or around as very small as randomly buying stocks of large cap companies. I have invested around 12L in equity stocks out of which 60k invested in SGB and around 20K in Gold ETF, all others are stocks of large cap mostly and some are like midcap like IDFCFirst. Seeing a good CAGR, around 17% as of today without active involvement. Investment around 6 lakhs till now which have valuation around 12L+.

Now about NPS, I started this to save additional tax over and above the 80C as a max amount of 4200 monthly but now I put 50K annually at once and don't touch it. It has grown to around 6.5L now. I do not put more amount as this blocks amounts until you retire or die 😊. But a good option as 50K will be completely exempted. Good for retirement corpus.

We must consider EPF as that's the part of all employees, which reaches around 5.5L for me and in 2019 I had withdrawn 1.8L for some renovation work from it (was treating it as FD at that time, was not much financially-aware then so...)

Next is a major thing, the mutual funds. Initially I had started around 23 or 28K SIPs in various mutual funds which were basically recommendations from the Kuvera app. These recommendations usually pop up when we set the goals in Kuvera so I started SIPs as per that recommendation. So dump kw!! Then after 3 years, I reviewed and noticed everything was good but consolidated returns were not beating Nifty 50 even. Means it was hardly around 11%. Then I observed that many MFs had similar allocations with the same stocks. Then I stopped some of the SIPs who had those repeated stocks and the amount went down to around 17K. Again run these SIPs for a few more years and I can see around 15% XIRR.

Just last month I have even reduced the number of MFs and now I am more focused. Changed the approach a little bit. There are many experiences that occur annually so I want some fixed amount going into MF for that purpose.

New SIP structure: Equity 34K Debt 24K (including annual exp like nps, school fees, insurances, etc)

Below is my allocation before starting this new MF SIPs mentioned above.

Asset Allocation of Your Existing Corpus (~₹34.15 Lakh)

This is the "before SIP" picture, which we've calculated before. It includes your FDs.

Equity (Stocks + Equity MFs) 22.16 L (64.9%) Debt (FDs + Axis Dynamic Bond) 10.70 L (31.3%) Gold (SGB) 1.17 L (3.4%) Total 34.15 L. (Excludes NPS, EPF, gold)