u/Empty-Ad7661

Hi everyone,

I’m planning to invest around ₹15,000/month only in mutual funds and would like some advice on proper allocation and fund selection.

My goals are:

1. Long-term wealth creation / retirement (20+ years)

2. Buying a house in around 7–10 years

I prefer a simple portfolio and don’t want too many funds. Mostly looking at options like Nifty 50, large cap, flexi cap, etc., but I’m confused about the ideal segregation between both goals.

Questions:

- How should I split the ₹15k monthly investment between these two goals?

- Which mutual fund categories would suit each goal best?

- Any specific fund suggestions for a beginner long-term investor?

- Is 2–4 funds enough for this type of setup?

Would appreciate practical suggestions from experienced investors. Thanks!

Hi everyone,

I’m planning to invest around ₹15,000/month only in mutual funds and would like some advice on proper allocation and fund selection.

My goals are:

1. Long-term wealth creation / retirement (20+ years)

2. Buying a house in around 7–10 years

I prefer a simple portfolio and don’t want too many funds. Mostly looking at options like Nifty 50, large cap, flexi cap, etc., but I’m confused about the ideal segregation between both goals.

Questions:

- How should I split the ₹15k monthly investment between these two goals?

- Which mutual fund categories would suit each goal best?

- Any specific fund suggestions for a beginner long-term investor?

- Is 2–4 funds enough for this type of setup?

Would appreciate practical suggestions from experienced investors. Thanks!

Hi everyone,

I’m planning to invest around ₹15,000/month only in mutual funds and would like some advice on proper allocation and fund selection.

My goals are:

1. Long-term wealth creation / retirement (20+ years)

2. Buying a house in around 7–10 years

I prefer a simple portfolio and don’t want too many funds. Mostly looking at options like Nifty 50, large cap, flexi cap, etc., but I’m confused about the ideal segregation between both goals.

Questions:

- How should I split the ₹15k monthly investment between these two goals?

- Which mutual fund categories would suit each goal best?

- Any specific fund suggestions for a beginner long-term investor?

- Is 2–4 funds enough for this type of setup?

Would appreciate practical suggestions from experienced investors. Thanks!