https://www.desidime.com/comments/permalink/10215303
Add one large cap fund:)
other than that everything is good in your config
Seeking Suggestions for Monthly SIP of ₹7500 at Age 25
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Hello,
I am 25 years old and planning to start a monthly SIP of ₹7500. I have chosen the following allocation and would appreciate your suggestions on whether this is a good strategy or if any changes are needed:
Equity Funds (80% = ₹6000):
- Flexi Cap Fund: ₹2500
- Small Cap Fund: ₹1500
- Contra Fund: ₹1000
- Nifty 50: ₹1000
Liquid Funds (20% = ₹1500):
- Liquid Funds: ₹1500
Looking forward to your valuable feedback and suggestions!
Thank you!
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/comments/permalink/10215369
Do all investments in Joint account - in the name of your mother (first name) and yours (second name), whether it is mutual fund portfolios, demat accounts, bonds, fd, sgb or even savings account.
Pre-requisites - Provided you have cordial relations with your mother.
https://www.desidime.com/comments/permalink/10216612
@rohit_mfp which app you are using for these SIPs?
https://www.desidime.com/comments/permalink/10217405
Groww
- Flexi Cap Fund: ₹2500
- Reason: This fund offers broad market exposure across large, mid, and small caps, providing a balanced risk-return profile. It serves as a core holding in my portfolio, ensuring a diversified base.
- Weightage: Higher allocation due to its ability to adapt to market conditions by investing across different market capitalizations, making it a versatile and stable option.
- Small Cap Fund: ₹1500
- Reason: Small-cap funds can deliver high returns over the long term, albeit with higher risk. This fund focuses on smaller companies with growth potential.
- Weightage: Moderate allocation to benefit from the high growth potential of small-cap stocks while managing the overall portfolio risk.
- Contra Fund: ₹1000
- Reason: This fund follows a contrarian investment strategy, investing in undervalued stocks that are expected to perform well in the future. It adds a unique dimension to the portfolio.
- Weightage: Smaller allocation due to its contrarian approach, which can provide good returns if the market recognizes the value in these stocks, but it also carries more uncertainty.
- Nifty 50: ₹1000
- Reason: Index funds offer low-cost exposure to the entire market, tracking the performance of the top 50 companies in the Nifty index. It adds stability and reduces overall portfolio volatility.
- Weightage: Reasonable allocation to ensure stability and broad market exposure with low management fees.
- Liquid Funds: ₹1500
- Liquid funds provide easy access to your money in case of emergencies or short-term financial needs. They typically allow quick redemption with minimal impact on the value. Liquid funds invest in short-term debt instruments, which are less volatile compared to equity funds. This can help stabilize your portfolio during market downturns.
#CHATGPT
https://www.desidime.com/comments/permalink/10218312
Looks fine.
If you already have an emergency fund, I don't see the need for sip in liquid funds. It would be better if invested in other debt funds/index or flexi.
I don't know how effective the sip on contra would be considering the amount. But it doesn't hurt in this case. So Go ahead!
If you already have an emergency fund, I don't see the need for sip in liquid funds. It would be better if invested in other debt funds/index or flexi.
I don't know how effective the sip on contra would be considering the amount. But it doesn't hurt in this case. So Go ahead!
https://www.desidime.com/comments/permalink/10218358
looks good.
if u have choosen liquid fund as debt component of ur investment. I suggest u choose short duration debt funds or other category ones .
liquid funds are ideal to just park money or as an emergency fund.
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Do all investments in Joint account - in the name of your mother (first name) and yours (second name), whether it is mutual fund portfolios, demat accounts, bonds, fd, sgb or even savings account.
Pre-requisites - Provided you have cordial relations with your mother.