Hi everyone,
I’m investing primarily for long-term wealth creation with a 10+ year investment horizon and aggressive risk appetite.
Current MF portfolio:
- Nippon India Large Cap Fund
- Quant Small Cap Fund
- Motilal Oswal Midcap Fund
Overall portfolio:
- Total Invested: ₹2.62L
- Current Value: ₹2.77L
- P&L: ~₹15.9k (+6%)
- XIRR: ~6.9%
Risk Appetite: Aggressive
Investment Goal: Long-term wealth creation and capital appreciation
Investment Horizon: 10+ years
Monthly SIP Allocation:
- Nippon India Large Cap Fund – ₹8k
- Quant Small Cap Fund – ₹9k
- Motilal Oswal Midcap Fund – ₹10k
Why I selected these funds:
I am a beginner, so my main goal was to do basic research to build a balanced portfolio across all market caps without overlapping fund houses.
• Nippon India Large Cap: Chosen for portfolio stability. I picked Nippon over peers like SBI because my research showed it consistently delivers strong long-term returns and good downside protection.
• Motilal Oswal Midcap: Chosen to bridge the gap between large and small caps. I picked Motilal specifically for its standout high-growth track record and to diversify my fund manager risk.
• Quant Small Cap: Chosen for aggressive growth. I selected Quant over other small-cap AMCs because its historical performance numbers are excellent, and its unique strategy adds a high-return boost to my portfolio.
Platform/App Used: Coin by Zerodha
Would appreciate feedback on:
- Is this allocation too aggressive for long-term investing?
- Any overlap concerns with Quant Small Cap + Motilal Midcap?
- Should I increase large-cap/index allocation for better balance?
- Would you continue these SIPs or make any changes?
- Should I also add an SIP for international/foreign market exposure?
Thanks!