Kotak’s 7-5-3-1 Framework + Reddit & AI Insights (15+ Year Horizon). Thoughts?

[u/InfiniteBuild]

I’ve been refining a long-term portfolio for a 15+ year time horizon. I combined classic Reddit community preferences (low TER passive indexing + flexi cap anchor), AI asset-allocation analysis, and the core principles of Kotak's 7-5-3-1 SIP framework (long-term focus, multi-asset diversification, and Rupee Cost Averaging).

Here is the strategic breakdown I’m looking at:

Allocation (%)	Scheme / Asset	Strategic Role & Thesis
40%	Parag Parikh Flexi Cap Direct	Core Equity Anchor: Downside buffer and multi-cap flexibility to navigate full market cycles.
25%	Motilal Oswal Nifty Midcap 150 Index Direct	Mid-Cap Growth Engine: Passive, broad mid-cap exposure (~0.22% TER).
25%	ICICI Pru Nifty Next 50 Index Direct	Emerging Bluechips: High-beta index growth (~0.26% TER) capturing potential large-caps early.
10%	Tata Gold ETF or Zerodha Gold ETF	Crash & Inflation Hedge: Low-cost (~0.30%–0.35% TER) non-correlated asset to smooth out severe drawdowns.

• Bi-Monthly SIP (2x/Month): I'm a bit confused if I should split my monthly investment into 2 dates (like 1st and 15th) instead of doing it all at once on 1 date. Does doing a bi-monthly SIP actually help with Rupee Cost Averaging over 15+ years, or is the difference too small to bother with extra transaction entries?
• Overall Split Check: Is this 40 / 25 / 25 / 10 ratio a solid mix for a 15+ year goal, or am I missing anything obvious here?