u/Cochie69

So I have a salary account with HDFC and recently got an email to check pre approved credit cards.

When I checked, I could only see:
- Moneyback+ with 500 fee
- Swiggy HDFC with 500 fee
- Pixel card which was LTF

I didn’t apply for any since I already have better cards from other banks.

Now I got a call from someone claiming to be from HDFC. They already had all my details and said I’m eligible for an LTF Millennia card. The thing is, I was never able to see Millennia in my pre approved offers.

Is this normal or sketchy? Should I proceed if they send an application link or is it better to directly visit/check with the bank first?

Anyone faced something similar?

looking to start investing seriously and wanted some advice from people who’ve actually been through different market cycles.

I can invest around 15-20k per month and my risk tolerance is pretty high since this is long term money.

I know markets haven’t really been great for the past year, so I’m thinking this might actually be a decent time to start SIPs instead of waiting around.

Right now I’m considering:
• 2-3 mutual fund SIPs
• maybe adding a gold SIP as well for some balance

Would love suggestions on:

1. good mutual funds for aggressive long term growth

2. whether small cap SIPs still make sense right now

3. how much allocation should go into index vs flexi cap vs small cap

4. if gold SIPs are worth adding at my age or if I should stay fully equity focused

Would appreciate hearing your actual portfolio setups too if you’re investing in a similar range monthly.