I am 41, my sip portrolio is as below:
1. Icici pru bluechip: 1000/month sip
2.hdfc midcap opportunities: 100/bz day sip
3.sbi small cap: 4000/month sip
4.hdfc small cap: 65954 lumpsum
5.parag parik flexicap: 20000 lumpsum
6.sbi focused fund: 2500/month sip
7.hsbc value fund: 2500/montb sip
8.icici equity and debt: 1000/month sip 15% increment yearly
9. Icici technology fund: 1000/month sip 15 c/o yearly increment
2 balanced fund icici baf and hdfc baf 50000 rs lumpsum each
Risk appetite: high, investment horizon; 20 years
Goal: accumulate max amount 10 cr if possible.
Ans: Hello , as I can see your time horizon is 20 years so you can take some volatility in your portfolio.
You should go for the following allocations :
Small cap 30% , mid cap 30% , multi cap 15% , large and mid cap 15% , thematic funds ( consumption, tech, etc ) 10%
If you want to accumulate 10crs in 20yrs your sip amount has to be Rs.101000 at the rate of 12% xirr
