#Long-Term Goal: Rs 26K/mth at 12% #CAGR = Rs 7.5 Cr in 25 yrs (Rs 1.7 Cr in 10 yrs). Add bonuses, hikes – Rs 10 Cr possible. #DYOR Review annually with a #SEBIadvisor. Start today – wealth waits for no one. #WealthBuilding #DYOR

#Long-Term Goal: Rs 26K/mth at 12% #CAGR = Rs 7.5 Cr in 25 yrs (Rs 1.7 Cr in 10 yrs). Add bonuses, hikes – Rs 10 Cr possible. Review annually with a SEBI advisor. Start today – wealth waits for no one. #WealthBuilding

#Risks to Watch: #Marketcrashes (e.g., 2020 -30%), #job oss, inflation spikes. Mitigate: 1) Stop SIPs temporarily, 2) Keep emergency fund, 3) Diversify globally via LRS (USD 250K/yr limit). #InvestmentRisks

Tax Benefits: Equity LTCG >1 yr: 12.5% above Rs 1.25L. #Debt #LTCG: 12.5% (3 yrs+). #PPF tax-free. #ELSS (e.g., #AxisLongTermEquity) for Section 80C (Rs 1.5L deduction). Save Rs 15K-20K tax/yr. #TaxSavings

#Tools to Use: Apps like #Groww, #ZerodhaCoin, #Dhan for #MFs/#ETFs. Track via Google Sheets or Moneycontrol. KYC done? Link Aadhaar-PAN. Start with Rs 5K/mth, scale up. #InvestmentTools

Monthly SIP Plan: Total Rs 26K/mth. #Large-cap Rs 10K, #Mid-cap Rs 6K, #Small-cap Rs 4K, #Debt Rs 4.5K, #Gold Rs 1.5K. Adjust as salary grows (e.g., 10% hike = Rs 29K/mth next year). #SIPStrategy

#GoldPortion (5%): Rs 25K. Buy via #Gold #ETFs #HDFCGoldETF (SIP Rs 2K/mth). Hedge against inflation, target Rs 1L in 5 yrs. #GoldInvestment

#DebtPortion (15%): Rs 75K. 1) #PPF (Rs 1.5L/yr, 7.1% tax-free) – Rs 30K. 2) #SBIDebtFund (6-7% tax-adjusted) – Rs 45K #SIP. Safety net, liquidity in 3-5 yrs. #DebtInvesting

#SmallCapPicks: 1) #UtkarshSmallFinanceBank (5% – rural play), 2) #NipponIndiaSmallCapFund (10% – 30% 3Y CAGR). SIP Rs 4K/mth. Volatile but 15-20% #CAGR potential. #SmallCap

#MidCapPicks: 1) #BajajFinance (10% – NBFC growth), 2) #MaxHealthcare (7% – healthcare boom), 3) #MotilalOswalMidcapFund (13% – 25% 3Y CAGR). #SIP Rs 6K/mth. Higher risk, higher returns. #MidCap

#LargeCapPicks: 1) #HDFCBank (8% – banking leader), 2) #RelianceIndustries (7% – diversified), 3) #ICICIPrudentialValueFund (15% – value play, 26% 5Y #CAGR). Via #index #funds (Nifty 50 #ETF) or MFs. SIP Rs 10K/mth. #LargeCap

Equity Portion (80%): Rs 4L of Rs 5L investable (after emergency). Split: 50% #largecap (#stability), 30% #midcap (#growth), 20% #smallcap (high #risk-reward). Total equity target: Rs 8L in 5 yrs via #SIPs. #EquityInvesting

Step 2: #AssetAllocation. At 25, go #aggressive: 80% #equity, 15% #debt, 5% #gold. Equity for growth (12-15% CAGR), debt for stability (6-8%), gold for hedge (8-10%). Rebalance yearly as you age (shift to 60:30:10 by 40). #AssetAllocation

Step 1: #EmergencyFund. First, save 6-12 months’ expenses (Rs 1.5-2L if rent Rs 20K/mth). Park in #liquidmutualfunds (e.g., #HDFCLiquidFund, 6-7% returns) or #FD (5-6%). Goal: Rs 2L in 6 months. No risk here – safety first. #EmergencyFund

Your Profile: Age 25, first job (assume Rs 6-8L p.a.), #longhorizon (40 yrs to #retirement), high risk appetite. #Goals: #Emergencyfund, house (15 yrs), retirement corpus (Rs 5-7 Cr). Inflation: 6% p.a. – Rs 1 Cr today = Rs 4.3 Cr in 25 yrs. #InvestorProfile

Congrats on your first job at 25. As a young Indian earner, building wealth starts now. This 15-tweet thread crafts a beginner-friendly portfolio tailored for long-term growth (25-30 yrs), balancing risk and reward. #PortfolioForBeginners #InvestingIndia

#PortfolioGuide for a 25-Year-Old #NewEarner in India. Let's dive in. #PortfolioForBeginners #InvestingIndia

(End of thread) #Sources: #RBI #Master #Directions, #Budget2025, #AMFI (Oct 2025). #Notadvice – #consult pros.

Final Advice: #LRS = #empowerment. Start with Rs 1L, learn, scale. #Consult #SEBI-#registered #advisor/#CA. #DYOR – global investing rocks. Questions? Reply below. #InvestWisely

FAQ: Repatriate principal? Yes, anytime. #LRSFAQ