u/ConflictFamiliar5126 — reddlx

Hey everyone,

I’m fairly new to investing, so still learning how things work.

I’ve been investing ₹3,500/month in SIPs, and now I’m planning to increase it to ₹15,000/month.

Current SIPs:

Motilal Oswal Midcap Fund – ₹800
Nippon India Small Cap Fund – ₹1,000
Parag Parikh Flexi Cap Fund – ₹1,000
UTI Nifty 50 Index Fund – ₹700

Risk Appetite: Self-assessed moderate (I haven’t taken a formal risk assessment yet)
Goal: Long-term wealth creation
Horizon: 10–15 years
Platform: Groww

Why I chose these funds:
Honestly, I picked these based on common recommendations and basic understanding:

Index fund → for stability
Flexi cap → for diversification
Mid & small cap → for higher growth

Now I’m confused about how to move forward.

Should I just increase all SIPs proportionally?
Am I taking too much risk with mid/small caps?
Should I rebalance or add/remove any fund?

Since I’m still learning, I’d really appreciate simple and practical advice.

😄