The content discusses an individual’s plan to increase their monthly mutual fund investment from 72k to 2L in the fiscal year ’25. They seek advice on their current portfolio’s balance and potential changes to optimize returns or manage risks. They have been investing in this portfolio for 2-3 years, with investments spread across various funds, including equity, hybrid, debt, and ULIP.
The recommendations provided suggest removing ULIPs, increasing allocation to low-cost index funds, questioning the inclusion of PGIM Midcap, maintaining Nippon Small Cap and PPFAS Flexi Cap funds, considering international exposure instead of thematic funds, and checking funds for overlapping holdings. The advice is based on changing market dynamics and a long investment horizon of 10-15 years. The investor’s profile is balanced to aggressive.
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