What percentage of your salary do you invest in mutual funds each month? What are the goals/targets that you want to achieve with this, and by when?

What percentage of your salary do you invest in mutual funds each month? What are the goals/targets that you want to achieve with this, and by when?

Thinking Boxx Team

What percentage of your salary do you invest in mutual funds each month? What are the goals/targets that you want to achieve with this, and by when?

I invest approximately ₹1.35 lakh per month in mutual funds, which is about 60% of my take-home income. I'm able to allocate this much because I'm 27, unmarried, and currently don't have any EMIs or major financial obligations. (Although I do send 35K/mo to family, and plan to buy a car soon)

I invest in mainly 10 different mutual funds, their split are as below, (with screen shots).

1. Large cap - 29% of my SIP’s. Funds - Navi Nifty 50 index fund , Nippon India BSE Sensex index fund. (Relatively safer equity funds)
2. Mid cap - 14% of SIP’s. Funds - Kotak emerging equity , Mirae Asset large and mid cap fund , SBI Focused Equity fund.
3. Small cap - 7% of SIP’s. Fund - HDFC Nifty small cap 250 index fund.
4. Micro cap - 9% of SIP’s. Fund - Motilal Oswal Nifty Microcap 250 index fund. (only started recently)
5. ELSS / Tax saver - 7% od SIP’s. Fund - Parag parik ELSS tax saver fund. ( I stared it for tax saving purpose, but continuing it for now as its giving good return)
6. Strategy based index funds - 33% of SIP’s. Funds - UTI Nifty 200 Momentum 30 index fund , DSP Nifty Smallcap 250 Quality 50 index fund. ( Recently, I have become a big believer of strategy based index funds )

My Goal /s : My goal is to achieve financial freedom as soon as possible, and I believe a target of ₹5–6 crore will get me there. I'm also setting aside some savings for my wedding. While I don't currently own a car, I'm planning to purchase one in the near future.

I started investing in mutual fund from 2020 with 5K SIP, I have been really lucky to have landed a good paying job. So I increased my SIP’s really fast.

Note 1 : Some funds in my portfolio you may see but I have not mentioned them as I have stopped investing in them.

Note 2 : You may have noticed that all the funds I’ve mentioned come from different fund houses—this is intentional. I want to avoid over-reliance on a single fund house, which helps reduce the risk of underperformance. Additionally, if a potential issue / scandal / scam arises with one fund house, it minimizes the impact on my overall investments.

Note 3 : I have not mentioned Debt funds, because recently FD’s and PPF account are better option than Debt fund.

Note 4 : I am not an investment adviser. So, don’t take my portfolio as such