Started investing exactly 3 years ago. Please have a look at my portfolio.
Risk appetite – aggressive (I'm okay with volatility and drawdowns)
Goal – long‑term wealth creation & compounding (no short‑term goals)
Age – 31
Horizon – 15–20 years
Allocation – SIP only
App used – Groww
Total SIP value – ₹60,000
Questions –
• Am I over‑diversified?
• Any major overlap I should remove?
• Is the allocation too aggressive for my age or fine?
• What would you change?
Portfolio –
SBI Healthcare Opportunities Fund Direct Plan Growth – ₹500
SBI Silver ETF FoF Direct Growth – ₹1,000
Tata Digital India Fund Direct Growth – ₹500
HDFC Defence Fund Direct Growth – ₹1,500
Motilal Oswal Nifty Capital Market Index Fund Direct Growth – ₹2,000
SBI Energy Opportunities Fund Direct Growth – ₹500
SBI Gold Direct Plan Growth – ₹4,000
HDFC Defence Fund Direct Growth – ₹1,500
Parag Parikh Flexi Cap Fund Direct Growth – ₹14,000
SBI Mid Cap Direct Plan Growth – ₹8,000
Motilal Oswal Midcap Fund Direct Growth – ₹6,000
SBI Small Cap Fund Direct Growth – ₹2,000
Tata Small Cap Fund Direct Growth – ₹6,000
UTI Nifty 50 Index Fund Direct Growth – ₹14,000
You're treating mutual funds like stocks.
With so many different funds you'll probably just track the market, but the extra cost of actively managed funds will likely give you poorer returns than the market.
That's not necessarily bad – getting equity‑level returns is fine. However, going through all that hassle just to underperform (my assumption) doesn't make sense. Better to put everything into the UTI Nifty 50 Index Fund Direct Growth.
Consolidation is key right now, but try doing it after this term to avoid tax implications.
Keep long‑term funds simple and only switch when a fund underperforms. Don't switch on a whim. Just prune the sectoral funds and move the money into a solid index, some mid‑cap and a flexi fund with low exit loads – a small increase in exit load can cost you lakhs.
Besides SIPs, consider adding assets like gold and silver. For gold, a mix of ETF and physical gold works well.
Too many funds.
That's a mixed bag of funds, almost like a porridge. You have too many sector bets. Unless you're a professional investor, it's better to steer clear of sectoral bets.
If your goal is long‑term capital growth, stick to more equity and avoid playing around with your money – with all due respect.
An 80/20 split works well: 80% equity, 20% debt.
I personally hold a Nifty 50 fund, the next 50, and a mid‑cap 150 through a flexi fund, with a 10‑year horizon. Even during dips, the folio stays solid.
For those sector bets, keep a small spare amount and either trade stocks directly or use ETFs.
Best of luck!
Patience bears fruit, beta.
What I follow:
• 1 large‑cap fund
• 1 mid‑cap fund
• 1 small‑cap fund
• 1 gold ETF
I adjust the weightage based on market conditions. For example, if I have ₹100 to invest, I put ₹25 in each. If I see large‑cap undervalued, I might raise it to ₹40 and reduce the others.
Too many funds, OP.
Please don't rely on random Redditors for advice. Find a fee‑only advisor (make sure they're not a Mutual Fund Distributor) to clean up your portfolio. They'll assess your goals and risk appetite and streamline your SIPs for a reasonable fee.
*Edit: fee‑only registered investment advisor*
You need professional help. Period.
0 returns after 3 yrs SIP