Hey everyone,

I’m 23 and recently started investing in mutual funds with a long-term goal of wealth creation (10+ year horizon).

Risk Appetite

Based on a risk profiler, I would classify myself as moderate to aggressive, since I’m comfortable with volatility and short-term market fluctuations.

Investment Goal

My primary goal is long-term wealth creation. I don’t have any immediate financial responsibilities or short-term goals.

Investment Horizon

I plan to stay invested for at least 10+ years and continue increasing my SIP over time.

Current SIP Allocation (₹18,000/month)

• UTI Nifty 50 Index Fund – ₹6,000
• Parag Parikh Flexi Cap Fund – ₹5,000
• Nippon India Growth Mid Cap Fund – ₹4,000
• Nippon India Small Cap Fund – ₹3,000

Why I Chose These Funds

• UTI Nifty 50 Index Fund – for low-cost, stable large-cap exposure
• Parag Parikh Flexi Cap Fund – for active management + some international exposure

Platform Used

Currently investing via Groww

Questions / Feedback Needed

• Is my portfolio too aggressive, especially the small-cap allocation?
• Is there significant overlap between Nifty 50 and Parag Parikh Flexi Cap?
• Should I add separate international exposure, or is this enough for now?
• Any suggestions to improve this while keeping the portfolio simple?

Additional Question

I also have a ₹1 lakh lump sum which I won’t need immediately.

I’m planning to use it as an emergency fund, considering the following:

• Fixed Deposit (FD)
• Liquid Mutual Fund

Which would be better in terms of safety, returns, and liquidity?
Any fund suggestions or strategy would be helpful.

Thanks in advance for your insights!