Hi Samrat, I am 59 year old govt servant, After retirement, i would like to be stock broking agent with some good investment online company. Please give your state forward opinion on my choice, and suggest the best way for future.

Ans: for equity exposure: Please do 3 to 4 good mutual funds with a mix of large cap and either of mid and multicap types.

Ans: It's great to see your commitment to long-term investing at 35. Your diversified SIP portfolio reflects a thoughtful approach to wealth accumulation. Let's delve into some insights:

Diversification: Your allocation across multiple fund categories - multicap, digital, small cap, flexicap, and index funds - spreads risk and captures growth opportunities across different market segments. This diversification is crucial for long-term wealth creation.
Focus on Growth: By investing in multicap and small cap funds, you're targeting companies across various market capitalizations, aiming for higher growth potential over the long term. Additionally, digital and flexicap funds offer exposure to sectors with significant growth prospects, aligning with your long-term investment horizon.
Index Fund Inclusion: Incorporating an index fund like NIFTY 50 INDEX provides exposure to the broader market while keeping costs low. It complements your actively managed funds and ensures broad market participation.
Review and Rebalance: Periodically review your portfolio's performance and asset allocation to ensure it remains aligned with your long-term goals and risk tolerance. Rebalance if necessary to optimize returns and manage risk effectively.
Overall, your investment strategy appears well-structured for long-term wealth accumulation. However, continue monitoring market trends and adjusting your portfolio as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and aspirations.

Your commitment to long-term investing is commendable, and with diligence and strategic planning, you're on track towards financial success.

Ans: at this age i would suggest you to consolidate and place in reputed bank FD and STAY AWAY from stock trading, at your age stock trading is injurious to health and wealth both. Also would suggest you to visit a SEBI Registered Investment Adviser and get your entire portfolio checked once. Following is the link to find one in your local area, https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Ans: If you are retired then you have to only invest 10% of your income in stocks and that also investing and no trading.