u/perso_89

I’m planning to start a long-term SIP, but instead of going through a Mutual Fund, I want to manually buy individual fundamentally strong stocks every month around 10k-20k.

I’m confused about how many different companies I should pick to balance risk and returns. A. If I pick too many (10+), my capital gets spread too thin and tracking becomes a headache. B. If I pick too few (1-2), the risk is too high if that specific sector underperforms.

For those who are doing manual SIPs :

1. How many scrips do you currently hold for the long term?
2. Is it better to stick to one solid Commercial Bank and one high-yield Hydro/Manufacturing, or should I diversify across 5+ sectors?
3. What’s your strategy for monthly buying, do you buy all of them every month, or rotate?