Hey everyone,
I started my SIP journey in November 2024, right after turning 18, and I’ve been investing consistently every month since then without missing any installment. Till now, I’ve invested a total of ₹63,000.
My current mutual fund allocation looks like this:
Parag Parikh Flexi Cap Fund – ₹25,000
HDFC Small Cap Fund – ₹19,000
Motilal Oswal Midcap Fund – ₹16,000
Nippon India Large Cap Fund – ₹4,000
I know returns don’t matter much in the short term, and my main goal is to build discipline and stay invested long-term (10+ years). I plan to increase my SIP amount gradually as my income grows.
Posting here to get feedback from experienced investors:
Is this allocation okay for someone my age?
Anything I should simplify or rebalance going forward?