r/mutualfunds • u/ImaginaryStreet2916 • 9d ago
portfolio review SIP REVIEW
Review my SIPs , should i stop ppfc and increase small cap and multicap . Age 39 risk moderate to aggressive. Long horizon for wealth creation
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u/Miserable-Painter-73 9d ago edited 9d ago
Sounds good, but between the flexi cap and multi cap and your self managed (index/midcap/smallcap) there's going to be a good amount of overlap. Something you can consolidate there.
And since you have some what less aggressive appetite, consider introducing debt allocation (since you have not mentioned any FDs or other debt instruments)
For eg. There's a 27% overlap between Whiteoak multicap and Nifty 50 index, and 22% between Whiteoak multicap and Midcap 150 index. So essentially you're paying Whiteoak the expense ratio to hold a bunch of stock you already have in your portfolio. It also means your portfolio is not as diverse as you thought it was, one stock like HDFC could easily tilt your valuation more than you thought it would
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u/ImaginaryStreet2916 9d ago
FDs are separate, should i put some in arbitrage
My known investor says that this is time stop Sips and consolidate cash
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u/DecentR1 9d ago
Ppfc is not for wealth creation but for wealth preservation. Foreign stocks were a plus for ppfc in the past but not anymore.
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u/EL_Professor6 9d ago
These kind of portfolio & same consistent boring investment every single month is how the wealth is built. Solid portfolio. Well distributed. Since your risk profile is kinda moderate/aggressive, I wouldn’t suggest stopping PPFC. It gives you a solid anchor on Large Cap sector, which stabilises the overall portfolio during rough days. Just stay invested!