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SillyPenguin
SillyPenguin
5mo
by
SAP

Portfolio review | 26M

Stocks - 6.5L MF - 2.1L PPF - 80k FD - 13L RD - 3L ESOPs vested - 4L Emergency fund - 50k Net worth = 31L I’m not including EPF and NPS considering it as retirement only!

Current SIP contribution: MF -24k ( 6k each for flexi, mid, small, balanced ) Stocks - 10k RD - 25k

Excellent
Decent enough
Need to level up
519 votesexpired
5mo ago
SleepyBurrito
SleepyBurrito
Groww
5mo

Use more tax efficient arb mf instead of a large Fd component Set up sip instead of rd unless you have q specific short term need

SillyPenguin
SillyPenguin
SAP
5mo

Yes I’m using the rd for marriage expenses. Any suggestions for tax efficient arb mf?

BubblyMuffin
BubblyMuffin
Flipkart
5mo

Strong net worth.
Why so high with FDs though? You are young so you can afford to take higher risk investments like small cap mutual funds.
The compound interest effect will be much better

SillyPenguin
SillyPenguin
SAP
4mo

I had hit bad on stocks so I had to pull some out and put it in FD. I’m looking forward to rebalance it with MF and emergency fund

JumpyPancake
JumpyPancake
Swiggy
5mo

Emergency fund is way too less. Slowly increase it it.

Fd, rd is in this age does not make sense.

WigglyPretzel
WigglyPretzel
LTIMindtree
5mo

His fd will act as an emergency fund.

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