I am 37 years only and investing in the below Mutual fund with monthly sip amounts. 

1. Kotak Emerging Equity Scheme- 5000 Rs 

2. Mirae Assest Large Cap Fund-3000 Rs

3;- Canara Robeco Emerging Equities -Direct Plan- Growth- 3000 Rs

4. Axis Long Term Equity Fund- Direct Plan- Growth.

5. Aditya Birla Sun life Dynamic Bond Fund- 

6. HDFC Housing Opportunities Fund - Growth.

7. SBI Equity Hybrid Fund - Direct Growth.

8. SBI Blue Chip Fund- Direct Growth.

09. ICICi- Prudential All season Bond Fund- Direct Growth.

10. Mirae Assest Emerging Bluechip Fund- Direct Growth.

11. Invesco India Growth opportunities Fund- Direct Growth.

 13. UTI Midcap Fund Growth Option.

12. IDBI India Top 100 Equity Fund.

13. SBI Magnum Gilt Fund- Direct Growth.

14. Axis Blue Chip Fund Direct Plan- 5000 Rs 

15. SBI Magnum Midcap Fund- Direct Growth

16. SBI Equity Hybrid Fund - Regular Growth.

17. SBI Magnum Midcap Fund- Regular Growth

18. ICICI Prudential All seasons Bond Fund - Direct Plan Growth.

19. UTi- Flexicap Fund -Growth Option- Direct.

20. ICICI Prudential Value Discovery Fund - Growth

Sip for fund from Sr no (4 to 13 and 15 to 20) has been discontinued. 

Request your valuable guidance on the following. 

1. How much mutual fund should I keep in my portfolio. 

Ans: Funds are fine, please continue

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

• Tata Equity PE Fund - Growth
• UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

• UTI Equity Fund – Growth
• Axis Multicap Fund – Growth

Equity - Large Cap Fund:

• UTI Mastershare Unit Scheme - Growth Plan
• LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

• MOSL Midcap 30 Fund – Growth
• DSP midcap – growth

Equity - Small Cap Fund:

• Kotak Small Cap Fund – Growth
• Axis Small cap Fund - Growth

Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

Ans: You have a fairly diversified portfolio with exposure across equity funds, tax-saving instruments, and fixed-income products. Let's evaluate your current portfolio:

Equity Exposure
Multicap and Flexi-cap Funds:

You have good exposure to multicap and flexi-cap funds. These funds are beneficial as they provide exposure across different market caps (large, mid, small), offering balanced risk and growth potential.
The fund choices are varied, but some of them overlap in terms of the equity segments they cover. This may lead to duplication, reducing the overall diversification.
Tax-saving ELSS Funds:

Both Kotak ELSS Tax Saver Fund and Union Tax Saver Fund provide tax benefits under Section 80C. This is an excellent strategy for reducing taxable income while simultaneously growing wealth over the long term. However, having two ELSS funds with similar objectives may not be necessary.
Consider reviewing the performance and making sure that your tax-saving investments are optimized for returns.
Nifty and Gold Exposure:

Your investment in the Bandhan Nifty 200 Momentum Index Fund introduces some exposure to index funds, but remember, index funds tend to track market performance and do not offer active management. While this can be a cost-effective option, you might miss out on higher growth opportunities that actively managed funds can offer.
Gold exposure via UTI Gold ETF is a good hedge against inflation, but it is a passive investment and does not generate income.
Fixed Income Exposure
PPF and NPS:

Your investment in PPF (Public Provident Fund) and NPS (National Pension Scheme) is a solid long-term savings strategy. These provide safety, tax benefits, and long-term growth.
PPF locks your funds for 15 years, but it offers guaranteed returns, which is an excellent option for conservative savings. NPS, however, provides exposure to equity and debt markets and is a good retirement planning tool.
LIC:

LIC investments are a combination of insurance and savings. However, considering the long-term performance and opportunity cost, it might be worth reviewing whether these investments align with your future goals or if reallocating these funds into mutual funds could offer better returns.
Investment Amount and Goals
Given your monthly SIP of Rs. 10,500 and annual investments of Rs. 2.5 lakh in PPF, NPS, and LIC, it is essential to have a clear vision of your financial goals over the next 10-12 years.

Expected Return of Rs. 60-70 Lakh:
Based on your goal of accumulating Rs. 60-70 lakh in the next 10-12 years, your current portfolio seems reasonable. However, there are areas where optimization can boost the chances of meeting your goal.
Suggested Portfolio Reshuffling
Reduce Fund Overlap:

You are holding multiple multicap funds with similar objectives. It might be wise to consolidate these into one or two strong performers to reduce duplication.
Evaluate whether the Nifty 200 index fund is in line with your preference for actively managed funds.
Focus on Actively Managed Funds:

Active Management: Actively managed funds tend to provide higher returns, especially in fluctuating markets. They also help mitigate risks, unlike index funds, which follow market movements and may not outperform during volatile periods.
Consider focusing on large-cap, mid-cap, and small-cap funds for equity growth while also ensuring there is exposure to sectoral funds and thematic funds for extra diversification.
Diversified Growth-Focused Funds:

Given your long-term horizon, including growth-oriented funds is crucial. You may consider adding more funds with a history of consistent outperformance in the equity space.
Tax Optimization:

Your tax-saving investments are well-distributed between ELSS, PPF, and NPS. However, reviewing your ELSS funds for performance is essential. Choose funds that consistently outperform their benchmark and offer strong long-term growth.
Gold Exposure:

Gold exposure via ETFs is beneficial, but consider limiting it to around 5-10% of the portfolio as a diversification hedge. You may also explore mutual funds that invest in gold.
Final Insights
Consolidate Funds: Reduce the number of funds to avoid overlap and improve focus on quality investments.
Increase Focus on Actively Managed Funds: Focus on actively managed equity funds to achieve better returns in the long run.
Evaluate Tax-Saving Instruments: Review your ELSS investments for their performance and align them with your risk profile.
Goal-Oriented Approach: Stay focused on your long-term goals and ensure that your asset allocation matches your risk tolerance and time horizon.
Finally, given your clear objective of growing wealth to reach Rs. 60-70 lakh over the next 10-12 years, restructuring your portfolio to optimize risk and returns will significantly help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment