Hey everyone,
I recently started investing via SIPs with a medium risk appetite and a long-term horizon of around 10–15 years. I’d really appreciate some feedback on whether my current allocation makes sense or if I should tweak anything.
Age:23 years
Here’s my current SIP setup (₹10,000/month total):
• Parag Parikh Flexi Cap Fund – ₹2,500
• Motilal Oswal Flexi Cap Fund – ₹2,500
• ICICI Prudential Bharat 22 FOF – ₹2,500
• Quant Mid Cap Fund – ₹2,500
My thought process:
Flexi caps for diversification and stability
Mid cap for growth
Bharat 22 for some PSU/ETF-style exposure
Questions:
Am I overexposed to flexi cap funds?
Does Bharat 22 make sense in a long-term portfolio?
Should I add a small cap fund or international exposure?
Is this too conservative/aggressive for my age?
I’m aiming to stay consistent and increase SIP amounts over time. Any suggestions, criticisms, or improvements would really help 🙏