Need good suggestions on my SIP plan of 1L

portfolio review

HDFC mid cap - 20%
Motilal Oswald Mid cap - 20%
Bandan small cap - 20 %
Parag parikh - 20%
Nippon multi asset - 20%

I have been investing through MFs for over 2 years. I have changed my strategy as I learn few things about long term investing with 10+ years of horizon.

I already have emergency fund in liquid fund. So the above mentioned list aim is:

- Invest horizon of 4-10 years.
- with 60% of my wealth. I want to maximize profit.
- 40% I want to have decent risk adjusted return and diversification.

What better I can do?
please note, for some short term goals like car or international trips. I would like to draw some money. but i am willing not to touch small and mid cap funds.

What I learnt:
- More than funds, its proper diversification over small, mid and large according to your goals.
- Multi asset gives exposure to international, gold and other asset class other than equity market of India.
- Make a plan, and be consistent is key. Not switching funds very frequently is good. We can rebalance and replan in every 2-3 years.

If my learning has a gap, do let me know.

Posted Jul 27, 2026, 7:14 AM UTC

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