95% is too high an allocation. I will suggest at least 35% should be moved to large and flexi cap,20% to mid cap and remaining 40% in small cap. It will ensure 20% annual return, as you will have 60% in pure mid and small cap, in addition to it some flexi cap funds may have good exposure in small and mid caps.It will minimise the risk as well.Of course, a lot depends on the individual’s specific circumstances.If someone doesn’t need money for next five years at all, then even the present allocation is fine. I have shared my allocation and approach (funds and stocks) as per my situation, as I am full into funds and stocks so I need to care of all sorts of financial requirements through this market. As mentioned in the last post, in last 20 years approx. I did not face any major problem, at the same time the growth has been satisfactory.
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