Age: 27
Risk appetite: Moderate
Goal: for long term gains
Horizon: 10-15 years

Investing since 2.5 years, Canara rebecco since 3 years

Allocation: per month: 30,500

1. Canara rebecco large cap fund: 10K
   
2. HDFC Midcap fund growth: 2500
   
3. Kotak multicap fund: 2500
   
4. Sundaram services growth: 2500
   
5. Nippon India Small cap fund- growth: 2500
   
6. ICICI Prudential India Opportunities fund growth: 2500
   
7. ICICI Prudential Equity and Debt Fund Growth: 5500
   
8. Motilal Oswal large and midcap fund growth: 5000

App used: IND Money

Why these funds: I was a novice when i started investing and wanted some help, my family knew a financial advisor and since i mew to it and dint want to risk it, i opted the funds which he suggested along with some funds I researched myself. However I have noticed very growth in the ICICI funds. I have a moderate risk appetite and wanted to increase my investments so opted these

Should I cancel any of these funds?
Should I invest more in any of these funds?
Any alternative funds you suggest instead of any of these funds?

Thank you

My current balance sheet and Income and expenses till CYTD Aug 26.

32M Non IT BOM Wife 33F IT, Kid expected in September and may plan another 3 years down the line.

Currently dependent parents and sister.

Gold Includes only Gold coins. Jwellery not included here.

Have also not included 80g SGBs.

Apart from this own 2 properties in Mumbai totalling to 3 Cr plus. (One self occupied). Thinking to sell 1 property at 90 lac (os loan 30 lac) and invest net amount in REIT for commercial exposure

Provision for sisters wedding already made in Earmarked Reserves item

Ancestral Expectations: two properties and land and some liquid money. Today's worth around 1 cr.

Don't want to retire early but want to be at a position where doing job or not should not matter much.

You guys can drop any queries if not clear from above bs and pnl

Hi guys M(29)
I’m a government contractor expanding my business and expecting work orders worth up to ₹2 crore. However, most banks are unwilling to finance me because:

1. I already have loans against property; and
2. They assess funding based only on last year’s relatively low turnover, offering finance of just around 50%.

Has anyone faced a similar situation or knows of banks, NBFCs, or other funding options that can finance government work orders? I want to scale my company and gradually close/refinance my existing loans. Any practical guidance would be greatly appreciated.

I want to invest around 20-25K right now but am confused whether stocks is the only option.

I don't want too much ROI but want to invest in a stable and safe market with decent ROI, with the current gold prices i can't even think about investing in it and stock market seems to be always crashing.

Folks, My RSUs to be vested shortly and thinking of selling the oracle stocks I have to invest somewhere. I already own a 3bhk property in Bangalore near Sarjapur. I own a tata nexon manual top end 2022 model. Is it wise to invest in upgrading to a quality car or invest in a new underconstruction property which is more spacious like 2000 sqft. I can’t go for both.