FARM
Farmer Bros Co
stock NASDAQ

Hi everyone, I'm a salaried employee from India. I'm looking for advice on structuring my investments considering a few upcoming major financial commitments. I'd love your suggestions on budgeting, investing, and saving smarter.
# 🔢 Current Financial Snapshot:
* **Age**: 26
* **Monthly Take-home Salary**: 1.5 Lakh (from June month, before that 1 lakh (16 Months) )
* **Monthly Rent**: No rent (Permanent WFH from next month)
* **Occupation**: Software
* **Current Emergency Fund**: 3 Lakh
* **Monthly SIP Investment:** 32 Thousand
* **Monthly Insurance policy deduction:** 10k (for 10 Years)
* **Debt :** 40K (2 EMI)
# 🛠️ Upcoming Plans:
* 💍 **Wedding in 16 Months** Budget: ₹15,00,000
* 🏠 **Confused to buy FLAT, FARM or PLOT**
📈 Mutual Fund Investments (SIP):(All 10% step-up) (All analysed by myslef)
|Fund Name|Monthly SIP|
|:-|:-|
|Parag Parikh Flexi Cap Fund|₹4,000|
|SBI Small Cap Fund|₹3,000|
|HDFC Nifty 50 Index Fund|₹3,000|
|Bandhan Small Cap Fund|₹2,000|
|UTI Nifty Next 50 Index Fund|₹2,000|
|Motilal Ostwal Midcap Fund|₹2,000|
|Quant Small Cap Fund|₹3,000|
|Tata Small Cap Fund|₹1,500|
|Axis Large and Mid cap fund|₹1,000 (From 3 Years )|
|ET Money Genius MF |₹10,000|
|**Total Investment till now**|**4 Lakh**|
# 📄 Insurance Policies:
|Type|Provider|Premium (Monthly)|Sum Assured|Term|
|:-|:-|:-|:-|:-|
|Term Insurance|HDFC Life Click2Protect |₹7000|₹2 Crore|10 yrs|
|Health Insurance(For family)|Employer|₹1000|₹10 Lakhs|Family Floater|
|ULIP|LIC|₹2,500|₹20 Lakh|16 years|
|Traditional Plan|LIC Jeevan Anand|₹2,500|₹40 Lakh|16 years|
🤔 My Questions:
1. How should I structure my investments to accommodate the wedding and upcoming EMI?
2. How can I rebalance my MFs for better long-term + short-term performance?
3. What are the best short-term instruments to save for the wedding?
4. How can I continue investing in gold smartly while handling EMI for home and rent together?
5. Should I reduce insurance premiums or restructure them?
6. Any suggestions on creating a better emergency fund?
Would really appreciate actionable suggestions or ideas on how you'd approach this situation. 🙏
Thanks in advance!

Hi everyone, I'm a salaried employee from India. I'm looking for advice on structuring my investments considering a few upcoming major financial commitments. I'd love your suggestions on budgeting, investing, and saving smarter.
# 🔢 Current Financial Snapshot:
* **Age**: 26
* **Monthly Take-home Salary**: 1.5 Lakh (from June month, before that 1 lakh (16 Months) )
* **Monthly Rent**: No rent (Permanent WFH from next month)
* **Occupation**: Software
* **Current Emergency Fund**: 3 Lakh
* **Monthly SIP Investment:** 32 Thousand
* **Monthly Insurance policy deduction:** 10k (for 10 Years)
* **Debt :** 40K (2 EMI)
# 🛠️ Upcoming Plans:
* 💍 **Wedding in 16 Months** Budget: ₹15,00,000
* 🏠 **Confused to buy FLAT, FARM or PLOT**
📈 Mutual Fund Investments (SIP):(All 10% step-up) (All analysed by myslef)
|Fund Name|Monthly SIP|
|:-|:-|
|Parag Parikh Flexi Cap Fund|₹4,000|
|SBI Small Cap Fund|₹3,000|
|HDFC Nifty 50 Index Fund|₹3,000|
|Bandhan Small Cap Fund|₹2,000|
|UTI Nifty Next 50 Index Fund|₹2,000|
|Motilal Ostwal Midcap Fund|₹2,000|
|Quant Small Cap Fund|₹3,000|
|Tata Small Cap Fund|₹1,500|
|Axis Large and Mid cap fund|₹1,000 (From 3 Years )|
|ET Money Genius MF |₹10,000|
|**Total Investment till now**|**4 Lakh**|
# 📄 Insurance Policies:
|Type|Provider|Premium (Monthly)|Sum Assured|Term|
|:-|:-|:-|:-|:-|
|Term Insurance|HDFC Life Click2Protect |₹7000|₹2 Crore|10 yrs|
|Health Insurance(For family)|Employer|₹1000|₹10 Lakhs|Family Floater|
|ULIP|LIC|₹2,500|₹20 Lakh|16 years|
|Traditional Plan|LIC Jeevan Anand|₹2,500|₹40 Lakh|16 years|
🤔 My Questions:
1. How should I structure my investments to accommodate the wedding and upcoming EMI?
2. How can I rebalance my MFs for better long-term + short-term performance?
3. What are the best short-term instruments to save for the wedding?
4. How can I continue investing in gold smartly while handling EMI for home and rent together?
5. Should I reduce insurance premiums or restructure them?
6. Any suggestions on creating a better emergency fund?
Would really appreciate actionable suggestions or ideas on how you'd approach this situation. 🙏
Thanks in advance!