u/Sea-Day-5199 — reddlx

22YO Long term investor. No dependency. Have 25k SIP amount a month (but nothing fixed as to where i allocate the SIP amt, which is why i want to work on this) and lumpsum amounts of approx 2-3L in the coming months.

Investment Goal – Wealth creation

Investment Horizon – 7 years+ with no withdrawal requirements currently

Risk Appetite: Aggressive

Allocation Details – Currently able to invest ~₹25k/month via SIPs. Also expecting lump sum amounts over the next few months which can be deployed into either new funds/ETFs or restructuring the current portfolio based on feedback.

Why You Selected These Funds – Most selections were based on my understanding and knowledge at that point in time. Silver was a higher-conviction allocation after researching its long-term macro potential in detail. For ETFs/funds, I mainly considered liquidity, low expense ratios, and low exit loads while getting exposure to small cap, mid cap, and Nifty 50.

Which App Do You Use? – Coin by Zerodha and Zerodha Kite

I already know the silver allocation is highly concentrated, but I still plan to hold it due to my long-term view on silver. Other than that, what changes would you make to the portfolio? Also looking for suggestions regarding better mutual funds/ETFs and thoughts on areas like defense ETFs, US ETFs, arbitrage funds, or any other categories worth exploring for long-term allocation.

22YO, long-term investor with high to very high risk appetite. Current portfolio attached.

Goal: wealth creation
Time Horizon: More than 10 years (nothing fixed but long term)
Using Zerodha and Coin

Current allocation reasons: Most investments were made gradually as I learned more about markets over time. Silver was a high-conviction bet based on my research, while the rest evolved through learning and experimentation.

I can invest \~₹25k/month via SIPs consistently, plus occasional lump sums over the coming months. Looking for critical feedback on portfolio construction, sector allocation, overlap, weak positions, and areas where I may be making mistakes.

I already know the Silver ETF allocation is oversized, so apart from that (since I feel there is potential and wanna hold it), what changes would you make?

Also looking for suggestions on better mutual funds/ETFs/stocks to deploy future capital into for long-term wealth creation.

Would appreciate honest opinions, especially on portfolio concentration, missing exposure, and whether some holdings should be exited/replaced entirely.

Thoughts on putting money into US stock ETFs, Defence ETFs, arbitrage funds, flexicap, or anything else?