Portfolio review!!(Honest opinion & advice required)
Currently i am investing in 👇👇
- NIFTY 50 Index for passive income (ik its kinda safe in term of return)
- Small cap ( only for long term investment probably retirement)
- Liquid fund (to prepare emergency funds coz i dont have any)
- S&P 500 (for global diversification but wanna play safe)
Also thinking to invest in flexi cap and gold etf!
P.S its been only a year since i start investing.
Thanks for your advice and opinions!!
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It's enough. Don't over complicate.
You do not need your hand in every pie. The more you diversify, the lesser your rital returns.
Just plan for
A. Taxes Don't switch, but add to which fund you need to, for rebalancing
B. Plan your exit well
E.g if you need down payment for house, don't wait till the last day to withdraw.
Thanks for the advice but could u please tell me more about taxes!! Like are u saying to invest in tax saving fund or what
Elss funds are the tax saver funds. But afaik the tax saving only happens if you have the old tax regime
liquid funds don't make sense from taxation point of view.... FDs are simpler and have same taxation as liquid funds....
But liquid funds will be taxed only when you withdraw. FD interest will be taxed every year
Don't wait to buy real estate, by the time your money grows with 10-12%, real estate will also become expensive with the same speed. Stretch as much as you can to buy a house or any other real estate. I have been in your situation few years back.
What's your age and dependents? Coz allocation will matter on that as well... can't go aggressive on equity only... If in 40s or something...
Age 25, need to buy a house current worth is 1.5cr by 2030 in terms of saving and all nothing coz building financial wealth from scratch, but basic things like health term and all insurance is done, auto loan going on but will be cleared by next year !
Oh that's awesome... While i am not really sure about S&P 500 but you can go aggressive on Equity... Also allocate a small percentage to any index fund. Rest looks good.
For US you can consider 50/50 between S&P500 + NASDAQ100 (incl all tech/future sectors). This is imp since you’re already paying Dollar premium rn while investing might as well put it into high growth companies. For Compounding you already have Indian markets.
Sure thanks i will keep this in mind
Ohh man, Passive income from Nifty50 seriously dude, you need to be educated, Stock market do not guarantee any fixed income, My advice - if you have ten lakhs, put 2 lakhs in FD for emergency, 1 lakh in Savings for any sudden expenses or good market opportunity, 4 lakhs in Nifty50 for stable long term growth, 3 lakhs in mid, small caps
Please do not buy gold it is not asset, it is an emergency fund which is easy to liquidate and inflation proof only buy Physical Gold and not more than 10 per cent of whole portfolio
And in case you are serious about stock market simply invest in stocks not mutual funds you will see the real fun
Hey man thanks for the advice but as i mentioned i building everything from scratch the reason i choose liquid fund not the fd bcoz i don have eg 10lakh, (RD also come up in my mind but again every year it will get taxed in interest) so i choose mf yeah as per other people suggestion i am thinking to divert the amount in arbitary funds! 2. When i say nifty 50 for passive income ( i am considering this for a long term wealth creation), 3. Stocks --> i dont have much insights also i believe once we start investing in stocks we keep looking our portfolio every day thing and thats i dont want it but yeah i am still learning and maybe in future i will invest in stocks too, 4. If u can suggest about how can i plan my investment (for eg40k per month) how should i allocate that if my goal is to buy a house in next 4-5 years and the property current cost is 1.5cr!!! Thanks againn
Mine portfolio, please advise anyone Age 32, Married and have 2 kids Tata Small cap fund: 15k/month SIP Nippon Small cap : 15k/month SIP Parag Parikh flexicap fund: 10k/month SIP 30L in Direct stocks investment (heavy exposure on Micro cap, small cap, currently -20% loss ) I don't have FD or real-estate, nothing
Okay as you are married and have 2 kids and no real estate, so I will be very much conservative
Stop the Small Cap investment - switch to index funds nifty50 SIP, it is much better than having 2 small cap fund
20 percent loss in stock market is not a very big deal, especially you are in micro and small cap, my question is do you understand stock market and then invest? If yes, then no problem, if no then please maintain only less than 20 per cent in small and micro, why cannot you find any good large cap or mid cap to invest? It's not that difficult, it's greed which is driving you, so I will strongly advise get that 30l out as you get profitable and invest in real estate, buy a flat in a decent location
Small cap mutual fund - 5k/month Nifty50 - 20k/month Parag parikh - 10k/month Real Estate down payment - 25l FD - 5l
I hope you also have health insurance buddy
