विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Jeet
Reetika Sharma642 Answers |Ask - Follow
Financial Planner, MF and Insurance Expert - Answered on Jul 04, 2026
Asked on - May 24, 2026
Hello,
I currently invest in the following mutual funds and request guidance in terms of any changes ( if any ) that msy benefit me.
My sole purpose is to create long term wealth and have / can have a very long tetm time horizon .
My asset allocation akready has more than adequate other assets (.real estate,fds,gold and silver). I also have in the form of shares through my demat account a good amount of equity shares ( mostly long term large cap) ad am now focused only on finessing my MF portfolio.which I have started through sips very recently.
My Mutual funds portfolio with monthly sip allocations is as follows
1. Motilal Oswal Large and midcap fund ( 8k )
2. Parag parekh flexi cap (8k)
3. Quant multi asset allocation fund (6k)
4. HSBC value fund (5k)
5. Kotak pioneer fund ( 5k)
6. Edelweiss midcap fund (4k)
7. Bandhan small cap fund (2k)
8. Icici pru commodities fund (3k)
9..Motila oswal bse enhanced value index fund (3k)
10 . HDFC income plus arbritrage active fof (2k)
Total currently monthly sip allocation per month is about 46000.
Thanks
Ans: Hi Jeet,
The diversification amongst different asset classes is good. And now your focus on building long term wealth via MF is worth appreciation.
Your portfolio is highly diversified but overly fragmented, with 10 funds for a ?46,000 monthly SIP leading to overlapping investments and diluted returns. Since you hold large-cap stocks directly and have other robust assets, consider consolidating your SIPs into 3–4 core funds to maximize compounding and simplify your portfolio.
Proposed SIP Restructuring (?46,000/month) - FlexiCap Fund, MidCap Fund, SmallCap Fund and Value Fund.
If you would share further details such as your age, income & expenses, current assets with value - I would be able to help you in a much better and precise way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The diversification amongst different asset classes is good. And now your focus on building long term wealth via MF is worth appreciation.
Your portfolio is highly diversified but overly fragmented, with 10 funds for a ?46,000 monthly SIP leading to overlapping investments and diluted returns. Since you hold large-cap stocks directly and have other robust assets, consider consolidating your SIPs into 3–4 core funds to maximize compounding and simplify your portfolio.
Proposed SIP Restructuring (?46,000/month) - FlexiCap Fund, MidCap Fund, SmallCap Fund and Value Fund.
If you would share further details such as your age, income & expenses, current assets with value - I would be able to help you in a much better and precise way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/