MF portfolio review
I am 27M working in IT and am looking for advice on my current mutual funds portfolio (all are direct funds & monthly SIPs):
Nippon india large cap - 20k
Parag parikh flexi cap - 20k
HDFC flexi cap - 32k (8k weekly)
Mirae asset large & midcap - 28k (7k weekly)
HDFC midcap - 24k (6k weekly)
Bandhan smallcap - 20k (5k weekly)
TOTAL SIP - 1.44L/month
Current invested amount (investing since 2023 with step-ups) - 27L
Horizon - 10-15 yrs
Expectations - 15% CAGR
Recent changes to portfolio & advice I am looking for:
- Used to invest 40k/month in pp flexi cap until last month & I decided to divert some to HDFC flexi cap. Should I stop pp flexi completely given recent drawdowns? If yes, what other options do I have?
- Used to invest 20k/month in Nippon India small cap until last month & switched to Bandhan given Nippon's poor returns comparison to Bandhan or Invesco.
- Been investing in the other largecap, large & midcap, midcap funds for over an year now. Any changes I should make here?
- I used to put around 10k/month in a Nifty 50 index fund but stopped since returns were nominal. Should I add some safer funds to reduce the aggressiveness?
- Apart from this, i have around 10L invested in US stocks & rest in FD/PPF but not real estate exposure. Looking for general advice on whether I should increase some exposure to real estate or any other options?
Posted Feb 25, 2026, 5:38 AM UTC
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