LPA
Logistic Properties of the Americas
stock NYSEAMERICAN

I am 22 and new to investing. I work and earn around ₹10.5 LPA. I started SIP investing two years ago and want straight honest feedback.
Below is exactly what I have and how I am investing. I want to add roughly ₹10,000 per month to my investments but I am unsure where to put it and what to do with my insurance commitments.
My holdings and how I am invested -
1. ICICI Prudential Nifty 50 index fund
SIP ₹3,000 per month. Total contributions so far roughly ₹1.8 lakh. Return - 13%
2. ICICI Prudential India Opportunities (active equity)
SIP ₹3,000 per month. Total contributions roughly ₹2.07 lakh. Return - 9%
- I want to know if I should continue this or invest in any other?
3. Silver ETF
SIP ₹5,000 per month. Invested so far ₹10,000.
- Started two months ago (for obv reasons)
4. ICICI Prudential Signature policy
Premium ₹10,000 per month. 10 year commitment.
I was advised by a broker 10 months back and started this. Now I am worried about fees, taxes, and liquidity. From what I read this is a ULIP with a 5 year lock-in so surrender before that will be costly. I am confused whether to continue or stop.
5. LIC policy -
My father's friend suggested an LIC policy that I am contributing to and will have to continue. Premium - 1lakh per year. I have been told surrendering gives poor value and revival/resume might be the only practical option. I need clarity if I should keep paying or change course.
6. Cash and fixed income
FD ₹3,00,000. Auto sweep in savings ~₹2,00,000. Role: emergency buffer and liquidity.
My asks
1. With ₹10,000 extra per month where should I put it now, add to existing SIPs or new funds?
Today I asked my broker he suggested me to invest in ICICI large cap fund for 10k/m should I invest or not?
2. Are these ICICI funds reasonable core/satellite choices?
3. Should I surrender the ICICI Signature ULIP given the fees? How bad are surrender charges and tax consequences?
4. What to do about the LIC policy? Should I continue, make it paid-up, or surrender? What questions should I ask LIC and my advisor?
5. Any portfolio allocation suggestions (equity, debt, commodity, cash).

I am 22 and new to investing. I work and earn around ₹10.5 LPA. I started SIP investing two years ago and want straight honest feedback.
Below is exactly what I have and how I am investing. I want to add roughly ₹10,000 per month to my investments but I am unsure where to put it and what to do with my insurance commitments.
My holdings and how I am invested -
1. ICICI Prudential Nifty 50 index fund
SIP ₹3,000 per month. Total contributions so far roughly ₹1.8 lakh. Return - 13%
2. ICICI Prudential India Opportunities (active equity)
SIP ₹3,000 per month. Total contributions roughly ₹2.07 lakh. Return - 9%
- I want to know if I should continue this or invest in any other?
3. Silver ETF
SIP ₹5,000 per month. Invested so far ₹10,000.
- Started two months ago (for obv reasons)
4. ICICI Prudential Signature policy
Premium ₹10,000 per month. 10 year commitment.
I was advised by a broker 10 months back and started this. Now I am worried about fees, taxes, and liquidity. From what I read this is a ULIP with a 5 year lock-in so surrender before that will be costly. I am confused whether to continue or stop.
5. LIC policy -
My father's friend suggested an LIC policy that I am contributing to and will have to continue. Premium - 1lakh per year. I have been told surrendering gives poor value and revival/resume might be the only practical option. I need clarity if I should keep paying or change course.
6. Cash and fixed income
FD ₹3,00,000. Auto sweep in savings ~₹2,00,000. Role: emergency buffer and liquidity.
My asks
1. With ₹10,000 extra per month where should I put it now, add to existing SIPs or new funds?
Today I asked my broker he suggested me to invest in ICICI large cap fund for 10k/m should I invest or not?
2. Are these ICICI funds reasonable core/satellite choices?
3. Should I surrender the ICICI Signature ULIP given the fees? How bad are surrender charges and tax consequences?
4. What to do about the LIC policy? Should I continue, make it paid-up, or surrender? What questions should I ask LIC and my advisor?
5. Any portfolio allocation suggestions (equity, debt, commodity, cash).