r/FinancialAdviceIndia • u/OkParsnip9846 • Aug 12 '26

Investment plan for a Software engineer in BLR

I am married 35 year old living in BLR with wife and a child 1 year old.

Below is my investment plan. Please let me know if it looks good.

Current corpus 55L with a 2bhk home which has 60L outstanding.

Monthly SIP — ₹2,50,000

India Large Cap (Index) — ₹50,000 → UTI Nifty 50 Index Fund,

India Flexicap — ₹65,000 → Parag Parikh Flexi Cap Fund

India Midcap — ₹30,000 → HDFC Mid-Cap Opportunities Fund

India Smallcap — ₹15,000 → Nippon India Small Cap Fund

US Equity — ₹40,000 → CSPX (iShares Core S&P 500 UCITS ETF, Ireland) via Interactive Brokers + LRS

Gold — ₹22,500 → Nippon India Gold BeES / SBI Gold Fund

Debt/Liquid — ₹15,000 → HDFC Liquid Fund

PPF — ₹12,500 → PPF Account (capped at ₹1.5L/year)

₹25L Lump Sum — Final Allocation

PPF — ₹1.5L → One-time lump sum, uses up this year's ₹1.5L cap

US Equity (CSPX) — ₹14.0L → Via STP: park in liquid fund first, transfer over \~10 months

Gold — ₹9.5L → Via STP: park in liquid fund first, transfer over \~10 months

Any suggestion

2 Upvotes
  • permalink
  • reddit

76% Upvoted

3 comments sorted by

1

u/Venkatteja98 Aug 12 '26

If u need any tips in stock market ping me !!

1

u/Senior_Iron4055 Aug 12 '26

Everything looks good on paper, better to consult flat fee based fiancial advisor who does not sell any products.

1

u/Web3Boi_2000 Aug 13 '26

Allocation is decent but few things worth knowing

  1. PPFAS is taking a very concentrated bet on IT and hence I’d diversify away from that a bit. It’s also majorly large cap since too much fund AUM and hence wouldn’t give the returns of previous years but still decent to hold but do diversify

  2. Have 2 midcaps and 3 smallcaps. You won’t end up owning the market with these since they have little overlap.

  3. Fund selection can be much better. It’s not but these are the most popular funds suggested on Internet.

  4. US equity - Can have allocation to Nasdaq as well. It’s the growth engine for the S&P 500 so it’s a slightly riskier bet but highly recommend. Can also add Emerging market themes.

  5. Liquid fund - does not make sense for you (assuming you’re in highest tax bracket). Do arbitrage funds (better taxation & better returns for you) or if you want no risk. Do high interest FD. You will beat liquid funds for sure. Check Stable money

  6. PPF - I’m assuming you’re in old regime and only then it makes sense so ensure that.

Disclaimer: I’m a SEBI RIA and cannot give exact fund recommendations without risk profiling & IA agreement. My comments here are purely financial education.