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26-Year-Old With 2 Crore Portfolio: Seeking Advice and Guidance

Nitin

Nitin Narkhede  | Answer  |Ask -

MF, PF Expert - Answered on Apr 02, 2025

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more
Shubham Question by Shubham on Apr 01, 2025Hindi
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Sir, Age 26 Equity Portfolio= 2 Cr Sectoral distribution of wealth in portfolio: 40% IT and Tech, 15% Infra Developers and Operators, 15% Banks, 5% Pharma, 10% Metals, 10% Utilities 5% Other. Kindly Scrutinise my Portfolio and suggest some changes. Also please advise on how to identify buy zone or buy range for a stock. How to incorporate a margin of safety, kindly suggest a methodology of research or thought process. Also, how to hold or deploy the encashed stocks in bull market? I sell fundamentally weak stocks in bull market time, but I don't know what to do with the cash, because buying in an overheated market seems like a bad idea, but the cash lies unused. Need to put it to work somehow.

Ans: Dear Shubham, Your portfolio is heavily skewed towards IT and Tech (40%), making it highly vulnerable to sector-specific downturns. Reducing IT to 25-30% and reallocating to defensive sectors like FMCG, Pharma, or diversified financials can improve stability. Also, Infra (15%) and Metals (10%) are cyclical—consider trimming them slightly in favor of consumption-driven sectors. For deploying cash in a bull market, park it in liquid funds, arbitrage funds, or debt instruments while waiting for corrections. Alternatively, use a SIP approach in quality stocks or ETFs to avoid bad timing risks. Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on Jul 29, 2024

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Hello Sir/Ma'am, I hope you are doing well. Could you please provide your guidance regarding my investment portfolio? I am 46 years old and currently have a mutual fund portfolio valued at 2 crores, with an approximate XIRR of 23%. My objective is to invest an additional 1 crore in mutual funds. I plan to hold these investment for the next 6-7 years before making any withdrawals using the Systematic Withdrawal Plan (SWP). My goal is to achieve a total portfolio value of 6 crores in the next 5-6 years. At present, I am invested in 20 mutual funds, which I realize is quite a lot. Could you please review my current funds and suggest where I should invest the additional 1 crore? I would like to eliminate any unnecessary overlap and focus on investments that will help me achieve my goals. I am considering switching from Motilal Oswal Defence Index to Motilal Oswal Mid Cap and from Quant Infrastructure Fund to Quant Mid Cap. These are just preliminary ideas. Could you help me streamline my portfolio and recommend where to invest the additional 1 crore considering aggressive risk taker ? ##############LARGE Cap 1. ICICI Prudential Bluechip Fund - 18L ##############Flexi Cap 2. HDFC Flexi Cap Fund - 29L 3. Parag Parikh Flexi Cap - 17L 4. Quant Flexi Cap - 10L ############# Multi Cap 5. Nippon India MULTICAP FUND - 25L ############# Mid CAP 6. HDFC Mid Cap Opportunities - 14L 7. Motilal Oswal Mid cap - 5.5L #############Small Cap 8. KOTAK SMALL CAP FUND - 11L 9. ICICI Prudential Smallcap Fund - 5L 10. Tata Small Cap Growth Direct Plan - 4L 11. HDFC Small Cap Fund Direct - 2.6L 12. Nippon India Small Cap - 3.5L ############INDEX 13. HDFC Index Nifty 50 Growth Direct Plan - 10L 14. ICICI Prudential Nifty Midcap 150 Index Growth Direct Plan - 7L 15. HDFC NIFTY Smallcap 250 Index Fund Direct - 5L 16. Motilal Oswal Nifty Microcap 250 Index Growth Direct Plan - 2.5L 17. UTI Nifty200 Momentum 30 Index Growth Direct Plan - 11L 18. UTI Nifty Next 50 Index Growth Direct Plan - 11L 19. Motilal Oswal Nifty India Defence Index Growth Direct Plan - 2L ################# Thematic 20. Quant Infrastructure fund - 9.5L
Ans: Current Portfolio Overview
Your mutual fund portfolio is valued at Rs. 2 crores. You have an impressive XIRR of 23%. You plan to invest an additional Rs. 1 crore. You aim to achieve a portfolio value of Rs. 6 crores in 5-6 years. Your current investments are spread across 20 mutual funds.

This diversification is quite extensive. Streamlining is needed to avoid overlap and enhance performance.

Evaluating Fund Categories
Large Cap
ICICI Prudential Bluechip Fund - Rs. 18L
Bluechip funds provide stability. They should form the core of your portfolio.
Flexi Cap
HDFC Flexi Cap Fund - Rs. 29L
Parag Parikh Flexi Cap - Rs. 17L
Quant Flexi Cap - Rs. 10L
Flexi Cap funds offer balanced exposure. They adapt to market conditions.
Multi Cap
Nippon India Multi Cap Fund - Rs. 25L
Multi Cap funds provide a mix of large, mid, and small caps. They offer diversification within a single fund.
Mid Cap
HDFC Mid Cap Opportunities - Rs. 14L
Motilal Oswal Mid Cap - Rs. 5.5L
Mid Cap funds have higher growth potential. However, they are riskier.
Small Cap
KOTAK Small Cap Fund - Rs. 11L
ICICI Prudential Smallcap Fund - Rs. 5L
Tata Small Cap Growth Direct Plan - Rs. 4L
HDFC Small Cap Fund Direct - Rs. 2.6L
Nippon India Small Cap - Rs. 3.5L
Small Cap funds can deliver high returns. They are suitable for aggressive investors.
Index Funds
HDFC Index Nifty 50 Growth Direct Plan - Rs. 10L

ICICI Prudential Nifty Midcap 150 Index Growth Direct Plan - Rs. 7L

HDFC NIFTY Smallcap 250 Index Fund Direct - Rs. 5L

Motilal Oswal Nifty Microcap 250 Index Growth Direct Plan - Rs. 2.5L

UTI Nifty200 Momentum 30 Index Growth Direct Plan - Rs. 11L

UTI Nifty Next 50 Index Growth Direct Plan - Rs. 11L

Motilal Oswal Nifty India Defence Index Growth Direct Plan - Rs. 2L

Index funds have lower fees but lack active management benefits. Active funds can outperform by selecting high-potential stocks.
Thematic Funds
Quant Infrastructure Fund - Rs. 9.5L
Thematic funds focus on specific sectors. They offer higher risk and reward.
Portfolio Streamlining Suggestions
Reduce Overlap
Consolidate Flexi Cap funds. Keep one or two best-performing funds.
Reduce Mid Cap and Small Cap funds. Focus on top performers.
Minimize Index funds. Their passive nature may limit growth.
Recommended Fund Adjustments
Switch from Index funds to actively managed funds. Active funds can outperform the market. They offer better stock selection and management.
Consider reducing your Thematic fund exposure. They carry sector-specific risks.
New Investments
Allocate new Rs. 1 crore across top-performing Large Cap, Flexi Cap, and Small Cap funds.
Focus on funds with strong historical performance and potential.
Portfolio Allocation Strategy
Large Cap: 40% of your portfolio. They provide stability.
Flexi Cap: 30% of your portfolio. They adapt to market changes.
Small Cap: 20% of your portfolio. They offer high growth potential.
Thematic Funds: 10% of your portfolio. They add diversity and high risk-reward.
Final Insights
Streamlining your portfolio will reduce overlap and enhance returns. Focus on a mix of Large Cap, Flexi Cap, and Small Cap funds. Avoid over-diversification and index funds. Invest additional Rs. 1 crore in high-performing funds. This strategy will help achieve your goal of Rs. 6 crores.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Reetika

Reetika Sharma  |423 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 16, 2025

Asked by Anonymous - Oct 08, 2025Hindi
Money
Please review my portfolio, I'm 27 years old and I invest 45k SIP per month to below funds and live in own home for work. Parag parikh flexi cap: 15k, HDFC nifty 50 index: 8k, Motilal mid cap and Tata small cap: 11k each. I want to Focus on wealth generation to cover future needs and retirement for next 25 years with moderate risk appetite. I have put 5L as FD for emergency funds, 2L in corporate bonds and 1 lakh in liquid fund. Also if I can shift my index fund investment towards nippon india large cap fund and if need to rebalance my equity funds.
Ans: Hi,

You are doing good at your age. This dedication towards investment is so rare to be seen at your age.

Coming to your query, you are good with your emergency fund. Make sure you have your term & health insurance in place as well.

The funds you are investing in are good. And yes go for a large cap fund instead of index fund.

You can also consider doing a stepup to the value each year as it will help in beating inflation.

However you can consider investing in momentum funds as well - around 5k per month. It will be a good exposure to your portfolio.

Consider consulting a professional who can handle your portfolio and review it periodically to change with market volatility and your risk appetite. Outsourcing this will help you mentally and a professional's guidance after crossing 10 lakhs become mandatory to keep things in check.

Hence you can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

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Reetika Sharma, Certified Financial Planner
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Nayagam P

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Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
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Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

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