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MagicalNugget
MagicalNugget
Razorpay

Portfolio Review | How am I doing as a 23M?

Please review my portfolio.

Salary: 54K YOE: 1 Invest: 17K per Month

Emergency Fund: 1L (In Savings Account) MF + NIFTY + Gold: 1.85L EPF: 72K

Total NW: 3.57L

Need Suggestions!

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12mo ago
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DancingDonut
DancingDonut
Stealth12mo

I think you should also add SIP in large cap funds as well, your investment will be balanced. Rather using Zerodha or any broker for MF start using ET Money you will save a lot on your investment. Believe me.

MagicalNugget
MagicalNugget
Razorpay12mo

Thanks for the suggestion. Will try out ET money.

DancingDonut
DancingDonut
Stealth12mo

Also, it gives you summary and suggestions on your portfolio

DancingTaco
DancingTaco
Stealth12mo

Take more risk. Exposure to only Quant funds, that too small cap, mid, active and flexi.

Use ind money for portfolio tracking and overlap. Etc.

GoofyBagel
GoofyBagel
Walmart12mo

Very good bro

QuirkyBanana
QuirkyBanana
Intel12mo

Don't count EPF/PF as part of your NW. While it is your NW, it's better to look at liquid amount and consider that only as you are just 1 yoe. Regardless at 23Y 1yoe, you are doing good. Keep it up

WigglyBurrito
WigglyBurrito
Student12mo

I see defensive mindset given your age, I'd suggest to take some additional risk and invest in large cap MF's given salary is coming, invest around 5-10k P.M in other MF's for a higher RPI

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