u/Curious_Purple_1254

28 YO, looking for advice on ₹1.2L monthly SIP allocation.

Risk Appetite: Aggressive

Goal: Long-term wealth creation

Horizon: ~20 years

Monthly Investment: ₹1.2L SIP

Platform: Coin by Zerodha

Current allocation I’m considering:

Additional context:

Life insurance & health insurance are already taken care of

No major purchases/liabilities planned in the near future

Already have ELSS investments, but stopped SIPs there

Comfortable with volatility and market corrections

Planning to stay invested consistently for the long term

Can increase SIP amount over time

Would appreciate suggestions and open to all views and criticism.

Thank you!

Hi everyone,

Age: 28 | Dependents: 2

Goal: Financial independence + wealth creation

Horizon: 15–20 years

Risk: Moderate (okay with volatility, want controlled drawdowns)

Allocation (₹5L lumpsum + ₹1.2–1.5L SIP/month)

UTI Nifty 50 Index → 15%

Parag Parikh Flexi Cap → 27.5%

HDFC Mid Cap → 20%

Nippon Small Cap → 15%

Kotak Money Market → 15%

Nippon Gold Savings → 7.5%

Total: Equity 77.5% | Debt 15% | Gold 7.5%

Rationale

Flexi cap = core (already has large-cap exposure)

Index = passive anchor

Mid + Small = growth

Debt = stability/rebalancing

Gold = hedge

(Already have ELSS via Mirae + Quant)

Platform: Zerodha Coin (Direct)

Feedback needed

Is 77.5% equity fine for moderate risk?

Any overlap / better fund choices?

Is ~28% in Parag Parikh too high?

Mid vs small cap balance okay?

Debt: money market vs short-duration/FD/RBI bonds?

Gold: keep or skip?

Looking for inputs on structure + long-term sustainability, not short-term returns.

Thank you in advance!