High-Return 1-Year Plan — ₹5,00,000
Goal: maximum returns in 1 year (higher risk). Allocation mixes aggressive equity with a small short-duration debt cushion for liquidity.
1) Mid-Cap (Aggressive)
Fund: HDFC Mid Cap Fund
| Recommended amount | ₹1,75,000 |
|---|---|
| Why | Mid-cap funds often deliver strong returns when markets favor growth — chosen for recent strong performance and established house record. |
2) Small-Cap (Very Aggressive)
Fund: SBI Small Cap Fund
| Recommended amount | ₹1,25,000 |
|---|---|
| Why | Small caps can produce the highest short-term upside (and downside). Keep this allocation if you accept elevated volatility. |
3) Flexi-Cap (Diversified Growth)
Fund: Parag Parikh Flexi Cap Fund
| Recommended amount | ₹1,00,000 |
|---|---|
| Why | Flexi-cap gives stock selection across market caps and geographies — helps capture multi-sector growth. |
4) Large & Midcap (Balanced growth)
Fund: Motilal Oswal Large & Midcap Fund
| Recommended amount | ₹50,000 |
|---|---|
| Why | Blends stability of large caps with growth from midcaps — reduces single-category concentration risk. |
5) Short-Duration Debt (Liquidity + Cushion)
Fund: Axis Short Duration Fund
| Recommended amount | ₹50,000 |
|---|---|
| Why | Keeps some capital stable and liquid — useful if you need cash within 12 months or to reduce overall volatility. |
Total invested: ₹5,00,000
Aggressive: 80% Equity (₹4,50,000)
Cushion: 20% Debt (₹50,000)
Important: This is a high-risk, return-seeking allocation for a 1-year horizon. Equity returns over one year are unpredictable — gains and losses are both possible. Past performance is not a guarantee of future returns. Consider your risk tolerance, tax implications, and consult a certified financial advisor before investing.
Notes & sources: chosen funds are among frequently recommended top performers across aggregator lists (Groww, ETMoney, ValueResearch). Check live NAVs and scheme factsheets before placing transactions.
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