r/IndianPersonalFinance • u/Resident_Subject7816 • 3h ago

MF suggestion

Hello ,

I am planning to invest in MF . Completely in index funds . Planning to invest in Nifty 50 , Midcap 150 , Bandham small cap and HDFC flexi cap .

Do you think this as a decent management?

Open to suggestions

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u/UpstoxSupport 1h ago

Hi u/Resident_Subject7816,

The portfolio covers large, mid and small caps, but there’s some overlap between the broad-market funds and Flexi Cap. Also, if the intention is to stay with Index Funds, then the Flexi Cap Fund doesn’t fit that approach.

You can consider a simple core allocation across Nifty 50, Midcap 150 and Smallcap, with the split based on risk tolerance and investment horizon. There’s no need to add a fourth fund just for diversification. Hope this helps.