portfolio review (23M)
have a running monthly sip of 75k
. sbi small cap - 19k . kotak small cap - 19k . hdfc mid cap - 16k . quant small cap - 19k . ongoing csip (old) - 2k
i have no dependency, parents are doing pretty well and are not dependent on me in any manner. so i can afford high risk since aiming for long term wealth generation.
cant add any more sip since i have an on going education loan emi of 14k
no fixed goals as of now till i enter late twenties. probably marriage, house, etc after age of 28-30.
sorry for any mistake in the post open to every feedback. thanks!
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Too much small cap.
Stop quant. Start one large or large+midcap.
Stop sbi or kotak. Start one Arb fund. Incase of market crash, you have money to deploy
If edu lan interest rate is more than 8%, prepay it off
thnks for the feedback!
. is quant mf bad?
. can u elaborate on what arb fund is?
. edu loan is 7% - if investments would generate ~10-12% cagr i would have net +ve money - that is what my thought process is and thinking of continuing loan till 15-20 yrs whatever the max tenure is possible. next possible lowest loan would be home loan @8-10% (maybe) and buying a home is far fetched dream right now.
thanks!
Imo diversify a little. Maybe look at thematic funds or overseas ones. Additionally you have 3 diff small cap funds, just pick 1 which has the least TER. Their performances shouldn't be too different
yes, will try to add new funds to moderate risk funds to balance portfolio a little
Why is it almost all your choices are active funds, for long term I'd suggest at least having an index fund like nifty 50. (I'd say it is a must)
Ensure whether the expense ratio is profitable for the funds you have chosen in the long run.
Also, plan to include large and flexicaps for better stability and returns.
The ones you have listed seem aged funds to me.
Monthly investment of 75K for SIP for a 23M is a very good amount and so I'd suggest you to consult multiple investment advisors to get advice from, understand and invest in a better way.
will add any new sips or lumpsum money into large/flexicaps from now on. thanks!
Bro investing is personal and I donot think you did a mistake here if your portfolio for more than 15 years then small caps should be more and try to invest some in us market and some in gold might be crypto max 5 % of your portfolio not more than that then you will be shorted.
All the best just remember donot get panic while market falls and donot take lots of gaan market is giving just keep doing sips and whenever you have money put as lump sum
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