Investing Lumpsum for long term

Personal finance
1

I have lumpsum amount thinking to invest into the assets below

considering for long term for 5 to 10+ years

30% index funds
20% us equity (10%-nasdaq, 10%-s&p 500)
5% microcap
10% gold

confused between below for remaining 40%
(
15% midcap and 15% small cap and 10% large cap
or
flexicap
or
multicap
)

can you please help?
maybe suggest a new plan or any changes/better ideas
(what would you do if you were in my place?)

2

I am no expert.
If you have a existing demat account, why invest in Index Funds instead think of Index ETF

SBI index fund is charging 0.46% as expense ratio. If it is SBI index ETF, the expense ratio is 0.04 (Please do cross check as I just googled it)

See the difference, the underlying securities are the same and since you intend to hold it for long term. The cost matters.

I repeat, this is my personal view and only applicable if you have a demat account. Also please read about ETF and risk associated with investing in ETFs - content available in Varsity

With regard to US equity, I think as a fund, it is closed for subscription, do check if it is open.

If it was me, I will allocate a portion to FD with quarterly interest payout and use this payout to buy in Index ETF.

3

For 10+ years horizon, you may consider momentum index and alpha-low Vol index 20% each] . There are multiple funds and ETFs are available for these factors.

Factors have cyclicality depending on market cycle and business cycle so lumpsump for 5-7 years may not give good returns depending on how these cycles turn .

4

Maintain 5-10% of your portfolio in debt funds as a buffer for black swan events like those in 2008 and 2020. Even if held for a decade, this reserve can provide crucial liquidity during unforeseen market crises.