I am 31 years old. My child is 2.5 years old.

Currently investing for three years.

Long term goals:
For my child's education when he turns 18 years -- Rs 2 crores.
For his marriage -- Rs 50 lakhs
For our retirement -- Rs 2 crores

Currently investing in:

Mutual Funds	Plan type	Amount
1. HDFC Mid-Cap Opportunities Fund	Growth	Rs 1,500
2. HDFC Flexi Cap Fund	Growth	Rs 1,500
3. ICICI Prudential Value Discovery Fund	Growth	Rs 1,000
4. Motilal Oswal Midcap 30 Fund	Regular Plan -- Growth	Rs 1,000
5) Axis Bluechip Fund	Direct Plan -- Growth	Rs 1,000
6) HDFC Life Click2Invest ULIP		Rs 5,000
7) Axis Quant Fund	Direct Growth	Rs 1,000

Please suggest whether these are ok or not.

How much corpus it would generate in next 20 years if I continue like this?

I need to invest another Rs 8,000 monthly. Which fund to invest in?

Ans: A few Mid and Small Cap funds are as under

HDFC Mid cap opportunities fund – Growth

Kotak Emerging Equity Fund – Growth

SBI Small Cap fund – Growth

UTI Small Cap fund - Growth

Ans: You can not reach to your target of 40 crores plus education corpus of 1.5 cr for 2 children as most of your money is getting invested in fixed income type of instruments, since your goal is still 17 years away you can convert theses fixed income in mutual funds.

Ans: Bhuvneshwar, your commitment to securing your daughter's future is commendable, and your diversified investment strategy reflects your dedication to achieving your financial goals. Let's break down your approach:

Traditional Investments: Sukanya Samriddhi and PPF provide a solid foundation with tax benefits and guaranteed returns. These avenues ensure stability and security for your daughter's future needs.
Market-Linked Investments: By investing in a mix of small, mid, and large-cap funds, you're tapping into the potential growth of the market. Your selection shows a balanced approach, spreading risk across different segments of the market.
Direct Stock Investments: Your involvement in direct stock purchases demonstrates your confidence in specific companies for long-term growth. However, ensure thorough research and prudent decision-making to mitigate risks associated with individual stocks.
To further enhance your strategy:

Regular Review and Rebalancing: Periodically assess the performance of your investments and rebalance if needed to maintain your desired asset allocation.
Risk Management: While market-linked investments offer growth potential, they also carry inherent risks. Ensure you're comfortable with the level of risk in your portfolio and adjust your investments accordingly.
Gradual Increase in Investments: Your plan to incrementally increase your monthly investments aligns with the principle of gradual improvement over time. Consistency and discipline in this approach will help you reach your target efficiently.
Remember, Bhuvneshwar, achieving financial freedom for your daughter's education and marriage requires patience, discipline, and a long-term perspective. Stay focused on your goals, continuously educate yourself, and adapt your strategy as needed along the journey. With dedication and strategic planning, you're well on your way to realizing your dreams for your daughter's future.

Ans: Given your financial goals and current investments, here's a suggested approach to structure your mutual fund investments:

Retirement Corpus (6 Crores in 20 years):
Start SIPs in diversified equity mutual funds with a focus on long-term growth. Allocate a significant portion of your investments towards equity funds to harness their wealth-building potential over the long term. Consider a mix of large-cap, mid-cap, and multi-cap funds to diversify across market segments and manage risk effectively. Review and increase your SIP amounts periodically, considering your income growth and inflation.
Son's Higher Education (1 Crore in 15 years):
Allocate a portion of your mutual fund investments specifically towards your son's education goal. Since the timeframe is relatively shorter, consider a balanced approach with a mix of equity and debt funds to balance growth potential with capital preservation. Gradually shift towards debt-oriented funds as the goal approaches to safeguard against market volatility and ensure capital protection.
Son's Marriage (50 Lakhs in 20-25 years):
Similar to the education goal, allocate a portion of your investments towards your son's marriage goal. Since the timeframe is longer, you can afford a more aggressive approach with a higher allocation towards equity funds. As the goal approaches, gradually shift towards more conservative investments to protect the accumulated corpus.
Review and Rebalance:
Regularly review your mutual fund investments and rebalance your portfolio as needed to ensure alignment with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner to periodically reassess your goals, investment strategy, and progress towards achieving them.
Remember, investing is a long-term commitment, and staying disciplined, diversified, and focused on your goals is key to achieving financial success.

Ans: It's wonderful to see your proactive approach towards securing your retirement and your children's education. Let's review your investment portfolio to ensure it aligns with your goals:

PPF: This is a great choice for long-term savings due to its tax benefits and safety. Keep contributing regularly to maximize its potential.
Mutual Funds: Your selection of mutual funds seems well-diversified across different categories, including large-cap, small-cap, mid-cap, balanced funds, and index funds. However, having too many funds can sometimes lead to overlap and complexity. Consider consolidating your portfolio to a manageable number of funds while ensuring diversification across asset classes.
Child's Education: For your children's education, ensure that you are investing in a mix of equity and debt instruments to balance risk and returns. Also, consider starting a separate SIP specifically for their education expenses to build a dedicated corpus over time.
Retirement: While investing in equity funds can provide higher returns over the long term, ensure you have a balanced approach considering your risk tolerance and investment horizon. Additionally, review your asset allocation periodically and make adjustments as needed to stay on track towards your retirement goals.
Regular Review: It's essential to review your portfolio regularly and make adjustments based on changes in your financial situation, market conditions, and investment goals. Consider consulting with a Certified Financial Planner periodically to ensure your investment strategy remains optimal.
Overall, your investment choices appear well-thought-out, but it's crucial to monitor and fine-tune your portfolio regularly to ensure it continues to meet your financial objectives.

Keep up the excellent work, and continue your disciplined approach towards investing for a secure financial future for you and your family!