Hello, I’m 28 years old and started investing about a year ago. Currently, I invest ₹10,000 per month (with step up per quarter) in mutual funds, including HDFC Gold Fund, ICICI Nifty 50 Index Fund, ICICI Gold FoF, and Nippon India Large Cap Fund.
In addition, I have a small stock portfolio worth less than ₹50,000. Where I am majorly invested in HDFC Gold ETF, Nifty Bees, and Sensex ETF.
I come from a humble background and have family responsibilities to fulfill as the sole breadwinner hence my risk capacity is limited.
I’m aiming for long-term wealth creation over the next 15 years and would like guidance on whether continuing with my current investment approach is suitable or if I should consider making any changes.
Regards.