Please review MF portfolio
Risk appetite:Moderate
Goal : Wealth building
Horizon: 10-20yrs
App used:Groww
Allocation: 25k into Sips per month
Hi all i am 26.I started my investment journey with a SIP of ₹7,000 in a single large-cap mutual fund, specifically the Nippon India Mutual Fund large-cap fund. My intention was to avoid diversifying into multiple funds until my monthly SIP contributions crossed ₹50,000.
Over the past year, I have gradually increased my monthly investment amount from ₹7,000 to ₹25,000. In addition, I maintain a reserve of ₹10,000 per month to deploy into ETFs during significant market corrections of around 4–5%, allowing me to take advantage of market dips strategically.
Recently, I increased my allocation toward large-cap investments from ₹7,000 to ₹15,000 through a step-up approach. At the same time, I just started allocating ₹10,000 toward mid-cap funds, thereby diversifying across two fund houses. Currently, my mid-cap allocation consists of ₹7,000 in the Nippon India Mutual Fund mid-cap fund and ₹3,000 in the Edelweiss Mutual Fund mid-cap fund.
I also started investing ₹6,000 in the Bandhan Mutual Fund small-cap fund. However, I am now considering pausing this allocation and focusing primarily on large-cap and mid-cap investments, along with maintaining my ETF allocation strategy for market dips.