Hi everyone,

I'm 24 yr old and started investing in September 2022 while I was in college. My meaningful contributions started in January 2024 after I got my job.

Current Portfolio

Gold: ₹17.24L current value | ₹9.73L invested | 110g 24K

Mutual Funds: ₹5.93L current value | ₹5.58L invested | XIRR 8.43%

FDs: ₹6.29L | 3 FDs | effective return \~7.83%

Stocks: ₹44.8K

Company shares: \~₹50K through monthly salary deduction

PF: ₹2L+

Mutual Fund Holdings

HDFC Mid Cap Fund – ₹1.78L

SBI Large & Midcap Fund – ₹1.23L

Tata Arbitrage Fund – ₹1.08L

Parag Parikh Flexi Cap Fund – ₹1.05L

Nippon India Large Cap Fund – ₹66K

Quant ELSS Tax Saver – ₹6.7K

Bandhan Small Cap Fund – ₹6.2K

Risk appetite: Moderate

Goal: Long-term wealth creation

Investment horizon: 20+ years

Monthly investment: \~₹25K regularly. Sometimes I skip a month when I travel (usually 2 trips a year). I also invest lump sums when I receive bonuses. I don't use fixed SIPs, but I'm disciplined about investing regularly.

Platform: Groww

Why I selected these funds

I mainly selected funds based on past performance, expense ratio and exit load, while trying to maintain a balanced portfolio across large, mid and small caps.

HDFC Mid Cap → Mid-cap exposure

SBI Large & Midcap → Large + mid-cap exposure

Parag Parikh Flexi Cap → Diversified equity exposure

Nippon India Large Cap → Large-cap exposure

Bandhan Small Cap → Small-cap exposure

Quant ELSS → stopped investing

Tata Arbitrage → Specifically for my first international trip, so I wanted to keep that money in a relatively lower-volatility option.

Portfolio Review – 24 yr, investing for 2.5 years