Hi all,
Looking for some feedback on my SIP allocation. I’m based in India, mid/late 20s, stable high income, long-term horizon (5–10+ years), and comfortable with volatility (moderate–aggressive).
I recently increased my SIP to ₹1L/month and want to make sure the allocation makes sense.
Current SIP split:
- ₹45k – Parag Parikh Flexi Cap
- ₹27k – Tata Small Cap
- ₹11k – HDFC Sensex Index
- ₹6k – SBI Focused Fund
- ₹11k – ICICI Balanced Advantage
Context / constraints:
- I already have EPF + FDs, so debt exposure exists outside SIP
- No plans to time the market: purely long-term compounding
- Prefer simple, rule-based investing (don’t want to keep switching funds frequently)
What I’m unsure about:
Is Tata Small Cap the best choice here, or should I consider splitting with something like Quant / Nippon / Bandhan?
Does this allocation look over-diversified for ₹1L SIP?
Should I reduce exposure to balanced/focused funds and push more into index/flexicap?
Is \~25–30% in small caps reasonable for my risk profile?
Not looking for stock tips- just trying to optimize SIP structure and avoid obvious mistakes early.
Appreciate any thoughts from folks with similar setups 🙏