Madam I'm 35 Years Old Salaried person I'm currently Investing Rs.30,000/- in Mutual Fund from 2017 Portfolio Value Is Rs.21,00,000/- and My Investment is 12,80,000/- Want To Continue For 10 Years.. 10% step-up in every 2 Years 1.SBI SMALL CAP 2.PARAG PAREKH FLEXI CAP 3.NIPPON SMALL CAP 4. DSP MID CAP 5.SBI INTERNATIONAL FUND 6.MOTILAL OSWAL TAX SAVING 7.AXIS NEXT 50 INDEX FUND

Ans: Your commitment to long-term investing is commendable and reflects a forward-thinking approach to securing your financial future. By starting early and diversifying your portfolio across different asset classes and fund categories, you're laying a solid foundation for wealth creation over the next 15 to 20 years.

Remember, investing is a journey, not a sprint. Stay patient and disciplined, and resist the temptation to make impulsive decisions based on short-term market fluctuations. Instead, focus on the underlying fundamentals of your investments and the power of compounding to grow your wealth over time.

As you navigate the ups and downs of the market, continue to educate yourself, stay informed about economic trends, and periodically review your portfolio to ensure it remains aligned with your long-term goals.

With perseverance, prudent decision-making, and a well-diversified portfolio, you're well-positioned to achieve your financial aspirations and build a brighter future for yourself. Keep up the good work!

Ans: It's commendable that you've been investing systematically in mutual funds since 2017 and have built a substantial portfolio. Your strategy of continuing for another 10 years with a 10% step-up every 2 years reflects a disciplined approach towards wealth creation.
Let's review your current portfolio and make some suggestions:
1. SBI Small Cap, Nippon Small Cap, DSP Mid Cap: Small and mid-cap funds have the potential for high growth but come with higher volatility. Since you're looking at a long-term horizon, these can be suitable for wealth accumulation. However, monitor their performance closely and be prepared for fluctuations.
2. Parag Parikh Flexi Cap, SBI International Fund, Motilal Oswal Tax Saving: These funds offer diversification across market caps and geographies, which is beneficial for risk management. Parag Parikh Flexi Cap, in particular, follows a flexible approach and invests in a mix of equity, debt, and international stocks, providing stability.
3. Axis Next 50 Index Fund: Index funds offer low-cost exposure to a basket of stocks mirroring a particular index. While they provide diversification, they may lack the potential for outperformance compared to actively managed funds. However, they can be a valuable addition to your portfolio for passive investing.
Considering your investment horizon and the step-up strategy, you can continue investing in these funds with periodic reviews. It's essential to rebalance your portfolio periodically to ensure alignment with your goals and risk tolerance.
Given the significant portfolio value, it's advisable to seek advice from a Certified Financial Planner who can provide personalized guidance tailored to your financial objectives, risk appetite, and tax considerations.
Keep up the good work of systematic investing, and with a well-diversified portfolio, you're on track to achieve your long-term financial goals.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in