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Ans: It's great to see your enthusiasm for investing at such a young age! Your selection of mutual funds reflects a high-risk appetite, which aligns with your long-term investment horizon of 10 years.

Diversification is essential in managing risk, and your portfolio covers various segments including international exposure, power & infrastructure, retirement savings, and small & mid-cap funds. This diversity can help mitigate the impact of volatility in any single sector or market segment.

As a high-risk investor with a long-term perspective, your portfolio appears well-distributed across different asset classes and market segments. However, it's crucial to periodically review your portfolio's performance and make necessary adjustments to maintain alignment with your investment goals and risk tolerance.

Rebalancing your portfolio involves periodically realigning your asset allocation to ensure it remains in line with your risk profile and investment objectives. Given your high-risk tolerance and long investment horizon, you may consider rebalancing annually or semi-annually to maintain the desired asset allocation.

During the rebalancing process, assess the performance of each fund relative to its peers and benchmarks. If any fund significantly deviates from your expectations or exhibits underperformance, consider reallocating funds to more promising opportunities within your portfolio.

Additionally, keep an eye on changes in market conditions, economic outlook, and regulatory developments that may impact your investment strategy. Staying informed and adaptable is key to navigating the dynamic landscape of financial markets effectively.

Remember, while high-risk investments have the potential for higher returns, they also come with increased volatility and uncertainty. Stay focused on your long-term goals, and avoid making impulsive decisions based on short-term market fluctuations.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: You're on the right track with your investment plan! As a Certified Financial Planner, your allocation seems well-diversified. However, ensure you regularly review your portfolio to maintain the desired asset allocation.

Given your high-risk appetite and long investment horizon, your choices align well. Rebalancing annually or semi-annually can help keep your portfolio in line with your goals and risk tolerance. Consider adjusting allocations based on market performance and changes in your financial situation.

Remember, patience is key in investing, especially with a long-term perspective like yours. Stay focused on your goals and avoid reacting to short-term market fluctuations. Keep up the good work, and your disciplined approach will likely yield fruitful results over time!