Portfolio review and suggestions
Hi guys, please review my portfolio and suggest improvements to fine tune the portfolio.
My age - 33
earning above 30 LPA
homeloan emi - 52 K
term insurance and emergency funds already secured.
I sold most from my funds portfolio for buying property in 2024 Oct and then built it again with new additions.
Risk Appetite - aggressive
Goal - For early retirement at the age of 45
Horizon - 12 - 15 Years
Allocation - 62 K Monthly SIP, I avoid lumpsum , just maintaining SIP with discipline and planning 5-10% step up depending on annual hike. lumpsum when I get bonus.
Why these Funds -
ICICI prudential large cap - Chose for strong core portfolio foundation being large cap
Mirae Asset Liquid Fund - Low risk, alternative to saving account
Mirae Asset ELSS Tax Saver Fund - in portfolio since 2019 for availing Tax benefits
HDFC Mid Cap Fund - strong growth potential and to get momentum
Edelweiss US Technology Fund (FoF) - For US market exposure
UTI Nifty 50 Index Fund - Low cost and steady with nifty growth
ICICI Prudential Strategic Metal & Energy Fund - for commodity exposure
Motilal Oswal Midcap Fund - Added for gain from midcap growth potential but stopped after not so impressive performance ( no SIP, awaiting exit )
Nippon India Small Cap Fun - to get strong momentum from small ap action , reduced SIP due to geopolitical situation.
App Used - ET Money