₹15,000 Monthly SIP: One Mutual Fund Or Multiple Schemes? Expert Explains Portfolio Diversification

Should investors put their entire ₹15,000 monthly SIP into one mutual fund or diversify across categories? Siddarth Sharma, Co-Founder, MoneyTree Partners, explains why portfolio design and diversification are important before starting an SIP. He highlights the risks of concentrating investments in a single fund, category or fund house and how underperformance can affect long-term financial goals. He recommends building a diversified portfolio with different fund categories and allocations based on an investor's risk profile. A well-planned investment strategy can help manage concentration risk and keep investors aligned with their financial goals over the long term.