u/Electrical_Syrup2483

I am 23. Newly starting to invest. I have 6 months of emergency fund placed in an FD. I have insurance too.

Now I'm planning to start investing in mutual funds.

I work in an investment bank so I am not allowed to invest in single share stocks / equities without pre clearance so I am thinking to limit myself to Mutual funds only for now.

Can invest 40k per month and add lumpsum whenever market is down.

Risk Appetite is moderate to aggressive, leaning towards aggressive.

Can someone pls suggest which mutual funds I should start SIP with? (Planning to also invest in gold ETFs so that's okay too)

I'm a 23 year old, current working as an SDE. Started my job just last year. I have started investing in Mutual Funds. I have flexibility to approximately invest 40-50k per month and lumpsum whenever market is down. These 4 are funds which have started an SIP for (10k each):

HDFC Small Cap Fund

Motilal Oswal Midcap Fund

Parag Parikh Flexi Cap Fund

Nippon India Large Cap Fund

I also try to invest in silver and gold ETFs

Want to learn about market, when to put in lumpsum money, what it means when "'market is down" etc. All the stuff so can invest money myself and learn about market.

Risk Appetite: Moderate

Goal: Increase wealth

Horizon: 15 years

Allocation: SIP, Lumpsum

Why these funds: Suggested by friends and family members App: Zerodha Coin for MFs and Zerodha Kite for ETFS