Portfolio Review Total SIP 1 Lakh per month
Mutual Fund Investment Profile
Current Age: 35 years
Investment Start Age: 35 years
Target Retirement Age: 45 years
Goal: Achieve Financial Independence and Retire Early (FIRE) within 10 years
Investment Horizon: 10 years
Risk Appetite: Aggressive
Investment Mode: Monthly SIP
Monthly Investment: ₹1,00,000
Annual Investment: ₹12,00,000
Platform Used: Groww
Monthly SIP Allocation
| Fund | Allocation | SIP |
|---|---|---|
| Bank of India Flexi Cap Fund | 40% | ₹40,000 |
| ICICI Prudential Multi-Asset Fund | 30% | ₹30,000 |
| Invesco India Mid Cap Fund | 20% | ₹20,000 |
| Bandhan Small Cap Fund | 10% | ₹10,000 |
| Total | 100% | ₹1,00,000 |
Why These Funds?
- Bank of India Flexi Cap: Core diversified equity growth
- ICICI Prudential Multi-Asset: Diversification across equity, debt and commodities
- Invesco India Mid Cap: Higher long-term growth potential
- Bandhan Small Cap: Limited exposure to high-growth small-cap companies
Each fund has a distinct role, reducing unnecessary overlap while balancing growth and diversification.
Risk and Review
This is an aggressive portfolio and may experience significant short-term volatility. It should be reviewed annually and rebalanced when allocations change significantly.
During the final three to five years before retirement, part of the corpus should gradually be shifted to debt, liquid or other lower-volatility investments.
Posted Jul 29, 2026, 1:10 PM UTC