I am a SEBI certified Equity Research Analyst, If your horizon is 10-15 years, you may focus on small and midcap, out of 30K, you can use considerable fund, then a flexi cap, diversification also very imp, you mentioned a index fund, but as per your risk apatite diversify equity and fixed assets (Debentures) funds, like 60% equity 40% (Debentures) fixed assets, so that in tough times of market your portfolio is well balanced compared to benchmarks in which you invest.
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