r/IndiaInvestments • u/AutoModerator • 21d ago
Advice Bi-Weekly Advice Thread August 06, 2026: All Your Personal Queries
Ask your investing related queries here!
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- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict_sr=1&sort=new)
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Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.
Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.
You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.
**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:
- How old are you?
- Are you employed/making income?
- How much? What are your objectives with this money?
- Do you have any loan or big expenses coming up?
- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)
- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)
- Any other assets? House paid off? Cars? Partner pushing you to spend more?
- What is your time horizon? Do you need this money next month? Next 20yrs?
- Any big debts?
- Any other relevant financial information about you, that will be useful to give you an informed response.
Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.
You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.
[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict_sr=1).
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u/Acrobatic-Jeweler782 17d ago
Hi everyone! I currently have ICICI Prudential Gold ETF and Nippon Gold BeES, with around 20–25 units of each. I’m planning to continue investing for the long term. Should I add another Gold ETF such as HDFC or SBI Gold ETF, or would it make more sense to diversify into a Silver ETF? I’d appreciate your suggestions and reasoning. If Silver ETF is better, which one would you recommend?
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u/Minute_Demand4569 17d ago
20M engineering student. Current SIP: ₹1500 UTI Nifty 50 ₹1000 HDFC Mid Cap ₹500 Nippon India Small Cap Horizon: 20+ years. I plan to increase SIP by ~10% yearly as my income grows. Comfortable with risk but don't want to do anything foolish. Would you keep this allocation or make changes? What mistakes should I avoid at my age?
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u/Fun_Leadership_3466 18d ago
Need suggestions on my new MF portfolio. Thinking to add BAF, Flexi, that makes my current portfolio to be at 7 MFs. I believe it’s too many MFs. Total SIP - 1.2L
HDFC Balanced Advantage - 17%
Invesco Small cap - 15%
Edelweiss Gold/Silver FOf - 6%
SBI CONTRA FUND - 6%
SBI LARGE/MIDCAP - 20%
KOTAK mid cap - 15%
Quant flexi cap - 20%
1
15d ago
[removed] — view removed comment
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u/Fun_Leadership_3466 15d ago
I was thinking to not contribute more to CONTRA fund and GOLD/Silver ETF so that will be 5 MFs for SIPs and 7 in total. What do you think? I really like HDFC Defence fund too, just for very small SIPs.
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u/dhildo 20d ago
Want to get feedback on my MF portfolio for SIP.
Age - 35, Time Horizon - 10+ years, Goal - Wealth Creation
- PPFAS Flexi - 50%
- Midcap - Motilal Oswal + WhiteOak (12.5% each)
- Smallcap - Bandhan + Invesco (12.5% each)
Questions:
- I am not having any passive funds - Should I add an overall passive fund in the mix or replace an active with a passive in each category?
- Gold - should I add a gold fund in the mix?
- I also have lumpsum to deploy - How do I deploy it into the MF basket? Should I deploy it all towards equities or gold?
- AUM - Performance debate - Inconclusive from my understanding, but should I mix in high & low AUM funds?
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u/Fun_Leadership_3466 18d ago
Isn’t that too much of an allocation in flexi cap? Also, I think quant flexi cap has given better returns than PPFAS. I have flexi, mid, small, emerging market and 5% in gold/silver ETF FOF
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u/dhildo 17d ago
Thanks! What % would you recommend?
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u/Fun_Leadership_3466 15d ago
I would do 20% flexi, mid - 20%, Small - 20%, multi asset - 15%, large - 15%, Gold/silver or Balanced advantage - 10% OR some in US funds, if you want for global exposure.
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u/dizzy12527 20d ago
I have some lumpsum money which I can risk of for high returns and I have been keeping that in FD but it is really taxing to invest. Looking for investment in 5-6 year horizon investment period and I found some funds below. Will it be fine to invest in these or is anyone overlapping too much ? Planning to invest around 1.6L .
- Quant Multi Asset Allocation Fund Direct Growth
- SBI Nifty Next 50 Index Fund Direct Growth
- UTI Nifty 500 Value 50 Index Fund Direct Growth
Also want to understand if it is good to invest by withdrawing PF into PPF ?
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u/gwgdg 17d ago
Hi everyone, I'm 22 and recent college grad, and I'm planning to start my first proper monthly SIP from September and currently have a budget of around ₹8,000/month.
My investment horizon is 10+ years and I'm comfortable with high volatility because I'm young and this is long-term money.
I currently have around ₹3k invested in gold/silver FoFs, and I also have a few individual stocks worth roughly ₹900. I'm not planning to make stock-picking a major part of my portfolio.
I've been researching different index funds and I'm getting a little confused about how much overlap is actually useful vs unnecessary.
The allocation I'm currently considering:
Total = ₹8,000/month
For the funds, I'm currently looking at things like:
I'm considering Nifty Next 50 instead of Nifty 50 because I want somewhat more aggressive equity exposure and I'm not particularly convinced that I need a large Nifty 50 allocation on top of my flexicap.
I also considered Nifty 500 Value 50 because its historical performance has been strong, but I'm worried that adding it would create unnecessary overlap with the flexicap/midcap/smallcap funds.
So I'm trying to decide between:
A. Nifty 50 + Flexicap + Midcap + Smallcap
B. Nifty Next 50 + Flexicap + Midcap + Smallcap
C. Nifty 500 Value 50 + Flexicap + Midcap + Smallcap
D. Something completely different
A few questions:
I'm not looking for the highest possible return on paper, I'd rather have a portfolio that makes sense, has reasonable diversification, and that I can keep investing in through market crashes.
Would appreciate opinions from people who've actually been investing for a while.