I have some liquid cash with me and my investment horizon is for 10-
Currently working at a fintech comapny with decent monthly income 2l+. I don’t have a fixed retirement plan yet, but the goal is long-term wealth creation, not short-term trading.
Risk appetite is moderate, maybe slightly on the higher side since the horizon is long. And no major expenses and stuff.
Should I go heavy on index funds or balance it with flexi-cap, mid-cap, and some debt?
How would you structure this if you were in my place?