I am 32 years old and started investing in SIP from the year 2022 onwards. I am investing 36000 per month but there are too many funds and want to reduce it to a minimum number of funds. I am planning to create a corpus of around 5 crore at the end through this and invest for the next 20 years. Please suggest what changes/mergers I should make. Also do I need to increase the SIP amount to reach this goal? 

1. Parag Parikh Flexi Cap - 5000

2. Axis Growth Opportunities - 2000

3. Axis Triple Advantage - 3000

4. Mirae Asset Emerging Bluechip - 2000

5. Sundaram Equity Savings - 1000

6. SBI Small Cap - 5000

7. SBI Focused Equity - 2000

8. Canara Robeco Emerging Equities - 5000

9. PGIM India Midcap Opportunities - 200

10. DSP Quant Fund - 2500

11. DSP Focus Growth - 2500

12. HDFC Nifty 100 Equal Weight Index Fund - 2000

13. HDFC Tax Saver – 2000

Ans: You can do DS course from IIT Chennai. Another good site is NPTEL, where you will get a lot of courses

Ans: Recommendation
Primary Choice: M.Tech in Biomolecular and Bioprocess Engineering at IIT Delhi

Closely aligned with your biotechnology background.
Better placement opportunities in biotech and biopharma sectors.
Offers a specialized skill set valuable for industries.
Alternative Choice: M.Tech in Environmental Science and Engineering at IIT Bombay

Good if you're interested in environmental sustainability.
IIT Bombay’s strong placement network ensures good opportunities, but the field is different from your core biotech knowledge.
Stay at IIT Tirupati: Only if switching to IIT Delhi is not feasible. Chemical engineering placements are broad but may not leverage your biotechnology background fully.
Choose your M.Tech, then I will talk about tools.

Ans: Hello;

The exit date updation is essential before withdrawal.

You may visit the assigned EPFO office with supporting documents and discuss with concerned officers for satisfactory resolution.

Else you may file a grievance with EPFiGMS portal regarding the problem faced by you pertaining to the exit date updation.

You may also approach them on social media, if needed.

Best wishes;

Ans: Definitely Python

Ans: Hello;

You have a sip in an ETF that tries to mimic the performance of nifty midcap 150 index.

So the ETF returns will emulate index returns be it positive or negative.

If you have a long-term horizon then you shouldn't be worried about such short term volatility.

Also remember the standard disclaimer about mutual funds:
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.

ETFs are kind of mutual funds that are traded on the exchanges.

If you are getting affected by the market volatility then you need risk profiling and apt advice as to where you should invest.

Happy Investing;

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