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@velvetyrabbit Bangalore, tech.

@velvetyrabbit Original poster.

@robinjohn777 Yes, I am focusing on tech bucket and not others.

@thedancingbaptist Ideally 3 LPM or more.

@africamission Why did I ruin your weekend?

@velvetyrabbit 2 LPM is more or less standard these days. At OP's age, 2 LPM is less.

@robinrocks It is not.

@robinrocks Definitely no. I expect some to out perform market and others to not.

@robinrocks Very important, because not all the stocks will survive or grow at the market rate.

@robinrocks In the long term of 15 years

@blever Sharing some stats 17.38% profit with 28.54% XIRR 8.87% profit with 7.69% XIRR

@philcho That makes sense, so all of my equity investment (~50%) should be in Index funds. Now shall I further bifurcate the index funds into my area of interests like Nifty 50, Tech index, BFSI index, Pharma index, etc.?

@philcho My question is whether to invest directly in stocks or 100% in Index funds?

@rachael3 And by debt, I understand you invested in instruments like FD, EPF, PPF, etc., right?

@rachael3 Example? All in Index funds?

@philcho I LOLed at your username. While you raise a valid point, apart from diversification what are the other reasons to do so?

Before we start, let me mention that I have already read the Wiki and fee only advisers have told me that they do not recommend mutual funds/stocks to invest (they can only help with % allocation). My current portfolio: Vehicle Category/Sector Name Mutual fund Direct - Growth ICICI...