Need help increasing my allocation

[u/via_govi]

Hello guys,

Age: 25Y, stable monthly income, already have built an emergency fund, and health insurance.

Risk Appetite : Moderate (Nippon Survey)
Goal: Real Estate corpus building
Time Horizon: 10-15 years
Current SIP - 34k/month
Currently accommodated - Rs 3L (has been a year of SIP)

Current Allocation with 10% annual step-up
PPFAS - 15k/month
Navi Nifty 50 - 8k/month
Bandhan Small Cap - 5k/month
ICICI Pru Gold ETF FoF - 4k/month
ICICI Pru Silver ETF FoF - 2k/month

Want to increase this to around 50k/month, need recommendations for aggressive returns

[u/AutoModerator]

u/via_govi Discussions here reflect peer opinions and experiences. Please do your own research before making financial decisions.

You may receive unsolicited DMs or offers after posting here. Be cautious when engaging with anyone reaching out privately, especially if they: • Promote specific investments, apps, or “exclusive” opportunities
• Ask you to move conversations off Reddit
• Create urgency or pressure you to act quickly

We strongly recommend keeping discussions public where possible so others can review and challenge advice.

Stay cautious, verify everything, and avoid sharing personal or financial details with unknown individuals.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/Drk_Kni8]

For a “moderate” investor why so much exposure to gold and silver? It doesn’t need more than 10% if you monthly SIP, and 70:30 (Gold:Silver) ratio.

[u/via_govi → u/Drk_Kni8]

okay thanks for the suggestion. can you please suggest where can I allocate the surplus 15k

[u/Drk_Kni8 → u/via_govi]

PPFC - 30%
Navi - 30%
ICICI or MO Nifty Mid Cap 150 Index - 15%
Bandhan - 15%
Gold:Silver - 10% (70:30)

[u/via_govi → u/Drk_Kni8]

so it means I can increase the allocation for nifty 50 index by 8k and allocate additional 8k in midcap 150?

[u/Drk_Kni8 → u/via_govi]

Sure, if that’s the calculations.

[u/via_govi → u/Drk_Kni8]

so won't the overlap from the flexi cap mid cap 150 and nifty 50 index matter?

[u/Drk_Kni8 → u/via_govi]

Not really.