I’ve just started my job, and until now I was investing only about ₹500 per month. My total invested amount is around ₹11k so far. From this month onward, I’ll be investing ₹20k per month, and I want advice on what to change, what to keep, and what to add.


Risk Appetite: Moderate


Profile:
Monthly income: ₹32k
Current invested amount: ~₹11k total
New monthly investment plan: ₹20k
Goal 1: Long-term wealth creation, 10 year horizon


Current SIPs:
Bandhan Small Cap Fund Direct Growth – ₹100
Kotak Large & Midcap Fund Direct Growth – ₹500
Nippon India Large Cap Fund Direct Growth – ₹500
Edelweiss US Technology Equity FoF Direct Growth – ₹550


My questions:


Is my current portfolio too fragmented for my investment size?

Should I keep these funds or consolidate into fewer funds?

For a moderate risk profile, is an aggressive hybrid fund better than my current setup?

Should I add a multi-asset fund, flexi-cap fund, or debt-oriented fund for the goal?

What should I change now that I can invest ₹20k per month instead of ₹500 per month?

Should I add Hybrid funds like ICICi prudential or what is the best course of action

Portfolio Review: 22yo, ₹32k/month income, long-term wealth vs. Masters in Germany goa