Sir I am earing 32k/month...while my expenses stays in between 7k to 10k...
I want to invest 15k in sip...
So far I thought of
2.5k in tata small cap
2.5k in quant small cap
4k in parag parekh flexi cap
3k in motilal oswal mid cap
3k in sbi large & mid cap.... is it a good portfolio?
And also I want to invest that remaining 7k to 11k also with minimum risk
Ans: Your SIP choices seem well-diversified across small-cap, flexi-cap, mid-cap, and large & mid-cap categories, which is good for spreading risk. However, ensure that your small-cap exposure aligns with your risk tolerance as they can be volatile.
For the remaining 7k to 11k, consider low-risk options like debt funds or a balanced fund that combines equity and debt. Debt funds can provide stability and lower volatility compared to equity funds. A balanced approach helps in achieving both growth and stability. Ensure you have an emergency fund set aside before investing in riskier assets to cover unforeseen expenses. Regularly review your portfolio to maintain alignment with your financial goals.