Hi everyone,
I’m 25 and just starting my investment journey. After a lot of research, I’ve put together this ₹6,000/month plan on Groww. I’d really appreciate your thoughts before I lock it in.
Here’s my plan:
· Nippon Small Cap Fund: ₹1,800
· Motilal Oswal Midcap Fund: ₹1,500
· Parag Parikh Flexi Cap Fund: ₹1,100
· Motilal Oswal Nasdaq 100 ETF: ₹1,000 (buying as stock, not FoF)
· ICICI Technology Fund: ₹600
Total: ₹6,000/month
My main concerns:
1. Is 30% in small cap too much?
2. Am I missing large cap exposure?
3. Tech overlap between Nasdaq ETF + ICICI Tech Fund too risky?
4. Should I switch Nasdaq 100 to S&P 500 for more stability?
5. Overall — too aggressive for long-term?
I’m all ears for any suggestions, especially fund alternatives available on Groww. Thanks in advance 🙏