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.

If this is your fundamental analysis of the stock, then you should have posted a complete study including the risk factors.

Seamec Ltd’s vessel SEAMEC II develops technical snag