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How should I allocate MF SIPs in current market conditions?
Mint Mumbai
|March 26, 2025
I'm 36, working in a private firm, and started investing in July 2024. My portfolio is valued at ₹17 lakh, and I invest ₹1.15 lakh per month through SIPs.
Of this, 60% goes to mid- and small-cap funds, 15% to sectoral funds such as defence and infrastructure, and the remaining to flexi- and large-caps. My returns are currently negative. Should I change my SIP allocations? Will I still be able to reach my ₹5 crore goal in 10 years?
—Name withheld on request
Your decision to invest in Mutual funds through SIPs for a 10-year goal is correct. Many experts and advisors have been suggesting to follow a diversified approach in mutual fund investing over the last few years. This also included limiting the allocation in mid- and small-cap funds between 15 to 25% of the overall portfolio based on your risk appetite.
Bu hikaye Mint Mumbai dergisinin March 26, 2025 baskısından alınmıştır.
Binlerce özenle seçilmiş premium hikayeye ve 9.000'den fazla dergi ve gazeteye erişmek için Magzter GOLD'a abone olun.
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