I am 20 year old, in software development since last 3 years, I am very keen reader of your column and take lot of inspiration from your remarks for investing, following is my portfolio:

SIP-L652G SBI Multicap fund Regular Plan Growth -- 10000 Lump sum-SBI Large & Midcap fund Regular Growth -- 500000 Lump sum-SBI Additional purchase -- 400000

SIP-SBI Small Cap fund dir Growth -- 25000

SIP-Sbi nifty index fund direct plan Growth -- 5000 Lump sum-Parag Parikh Flexi Cap Fund -- 5000

SIP Parag Parikh FCF -- 2000

Lump sum-Nippon India Growth Fund -- 5000 SIP-Nippon small Cap fund -- 15000

SIP-Nippon India Growth Fund -- 15000

SIP-UTI Flexi Cap Fund (UTI Equity fund) -- 15000 SIP-UTI Nifty 50 Index Fund -- 5000

Lump sum-Axis Blue chip fund-direct growth -- 250000 Lump sum-ICICI Blue chip -- 250000

SIP-ICICI Technology fund - dir plan Growth – 1000

SIP-Tata Digital India fund -dir plan Growth -- 2000 All SIPS are per month (95k)

1. All investment is only 6-month old; please suggest any changes as i am investing 100% in MF and NIL in Bank FD now.
2. Further from software development i am expecting around 5 Lakh, please suggest suitable to invest in any other or continue in above.
3. I would like to take very high risk and timespan minimum 5 years, please advise approx value after 5 years with current portfolio.

Ans: The funds are decent; however, there are too many funds in large cap; these can be consolidated

Ans: Hello Biju Singh. Using your current sip and lump sum investment, you can achieve 30 lakh corpus in 8 years with an expected CAGR of 14%. As far as the amount is concerned, no modification is necessary.

In addition, I suggest that Axis Bluechip, HDFC Small Cap and Parag Parikh schemes be revisited with respect to their better peer schemes. I hope this resolves your concern.

Ans: Hello Renuka. Considering all factors, Portfolio reports sounds good except Aditya Birla Sunlife AMC and Sundaram AMC. I would recommend to reconsider the same.

Ans: Your investment journey reflects a thoughtful approach to building wealth for the long term. Here are some insights and suggestions on your investment portfolio:
Quant Mid Cap Fund:
• Mid-cap funds like Quant Mid Cap Fund have the potential for high growth but may experience higher volatility.
• Ensure you have a long-term investment horizon to ride out market fluctuations and benefit from the growth potential of mid-cap companies.
Parag Parikh Flexi Cap Fund:
• Parag Parikh Flexi Cap Fund follows a flexible investment strategy, allowing exposure to various market segments, including equities and fixed income.
• This fund's diversified approach can provide stability to your portfolio while capturing growth opportunities across different market conditions.
Motilal Oswal Nifty Microcap 250 Index Fund:
• Investing in micro-cap companies through an index fund like Motilal Oswal Nifty Microcap 250 Index Fund offers broad exposure to the micro-cap segment of the market.
• Micro-cap stocks have the potential for significant growth but may be more volatile and less liquid compared to larger-cap stocks.
Quant Small Cap Fund:
• Small-cap funds like Quant Small Cap Fund focus on smaller companies with high growth potential.
• Small-cap investments can be volatile, so ensure you have a sufficiently long investment horizon and risk tolerance to withstand market fluctuations.
Nippon India Multi Cap Fund:
• Multi-cap funds like Nippon India Multi Cap Fund offer diversification across large, mid, and small-cap stocks.
• This fund's flexible allocation allows the fund manager to adapt to changing market conditions and capitalize on opportunities across different market segments.
Suggestions:
1. Diversification: Your portfolio exhibits diversification across different market segments, which is beneficial for managing risk and capturing growth opportunities. Continue to monitor the performance of each fund regularly.
2. Review and Rebalance: Periodically review your portfolio's performance and rebalance if necessary to ensure it remains aligned with your financial goals and risk tolerance.
3. Stay Informed: Stay updated on market trends, economic developments, and fund performance to make informed investment decisions.
4. Emergency Fund and Insurance: Ensure you have an adequate emergency fund equivalent to 3-6 months of living expenses and consider purchasing health insurance and term insurance coverage to protect yourself and your loved ones.
5. Consultation: Consider consulting with a Certified Financial Planner to develop a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon.
Overall, your investment portfolio shows a well-rounded approach to long-term wealth creation. By staying disciplined and adhering to your investment strategy, you're likely to achieve your financial objectives over time. Keep up the good work!