Building your first mutual fund portfolio at 25? Experts share the ideal allocation and common mistakes to avoid

FundsIndia recommends investors aged 25-30 allocate 70-80% equity, 15-20% debt, and 5-10% gold for long-term portfolios.

Jiral Mehta from FundsIndia advises building an emergency fund covering 3-6 months of expenses and securing health and term insurance before aggressive investing.

Asset allocation should be tied to financial goals, not just age, according to Mukesh Kumawat of Anand Rathi Wealth.

Debt allocation can be used as 'dry powder' to deploy into equities during sharp market corrections, says Mehta.

Regular investing through SIPs is emphasized for long-term wealth creation, aligning with financial goals.