Dear VP Community,
I am excited to be part of this community and would like to take this opportunity to share how my portfolio has evolved over time. I am seeking feedback and suggestions on how I can further refine and optimize my portfolio. Moving forward, I plan to provide monthly updates on any changes in my portfolio.
Current Portfolio Allocation:
- Stocks & Mutual Funds: 25.74%
- Cash: 36.8%
- Gold: 3.26%
- Cryptocurrency: 0.36%
- Real Estate: 33.84%
A Brief Introduction:
- Education: PhD in Mathematics, currently a postdoctoral researcher.
- Interests: Research and teaching.
- Investment Experience: Began investing in 2020 with a long-term horizon of 30+ years. While I stay informed about market movements daily, I am not an active trader.
- Age: 29 years.
SIP and Lump-sum Investment Strategy:
- Weekly SIP: ₹2000 each in Nifty50 Index ETF, Parag Parikh Flexi Cap, and Quant Small Cap (with a 10% annual step-up).
- Additional Investments: Opportunistic investments in stocks, smallcases (Value & Momentum and Growth at Fair Price).
- Gold & Silver ETFs: Purchased with surplus cash.
Insurance Coverage:
- Health Insurance: Provided through my employer.
- Family Health Insurance: Separate coverage for my family.
- Term Insurance: Currently not availed as I do not have dependents.
Immediate and Long-Term Goals:
- Marriage: Planning to marry within the next 1–1.5 years (age 30-31).
- Home Ownership: Aiming to build a home in 7-8 years, around the age of 37-38, with the goal of fully owning it by age 40.
- Retirement: Aspiring to retire early, between the ages of 45-50.
I look forward to any insights or suggestions the community may have on how I can better manage or adjust my portfolio to achieve these goals.
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