I get the point you are making. So, my MF portfolio is maybe 15% of my stock portfolio. I am planning to head towards a pf as below over next year. MF will only be in SIP basis and never lumpsum. Stock additions are also on sip basis. I know i have allocated debt on the higher side but have major expenses coming due in next 3 years and want to be sure of meeting them.
Debt: 40%
Stock: 45-55%
MF: 5-15%.
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