I am 37 years old, and want to build a corpus of 80 lakh in next 12 years for my child education. I want to take moderate risk. I am having sip of 16000 per month in following funds. Please review my profile and suggest any modification of funds.

Sbi blue chip 3000 pm

Mirae asset emerging bluechip 2500 pm

Quant multi asset fund 4000 pm

Uti flexi cap fund 1500 pm

Mirae asset tax saver 5000 pm.

Ans: No changes are required.

Ans: Please continue with 1, 3, 6, 7, 8 and 9.

Yes, you may invest in Kotak Small Cap Fund -- Growth

You may consider a couple of schemes from below for further investments

1. UTI Flexi Cap Fund -- Growth
2. Parag Parikh Flexi Cap Fund -- Growth
3. Axis ESG Equity Fund -- Growth
4. Motilal Oswal Focused 25 Fund -- Growth

Ans: To build a corpus, Equity funds are suitable and Insurance should be used for life protection and cover

Ans: Hello Bhagat. Your portfolio assessment appears to be in good condition. The portfolio selection looks to be carefully calibrated to and matched with the market.  Assuming that your time horizon is at least 10 years, 95k SIP seems appropriate for achieving a corpus of 2.5 crore for multiple investment objectives.

Ans: Diversified Investment Strategy
You have a well-diversified portfolio, which is crucial for mitigating risks and achieving long-term growth.

Diversifying across various market capitalizations can balance risk and reward effectively.

Your portfolio covers flexi-cap, mid-cap, contra, small-cap, and sector-specific funds.

Evaluating Current Funds
Flexi-cap funds provide flexibility to invest across market capitalizations, adapting to market conditions.

Mid-cap funds can offer higher growth potential compared to large-cap funds but come with higher risks.

Contra funds invest in undervalued stocks, potentially offering high returns when the market corrects.

Small-cap funds have high growth potential but are also highly volatile.

Sector-specific funds, like digital funds, can benefit from sectoral growth but carry higher risk if the sector underperforms.

Suggested Modifications
Consider reducing exposure to small-cap funds to mitigate volatility.

Reallocate some investment to more stable, less volatile funds for better balance.

Evaluate the performance and expense ratios of your current funds regularly.

Benefits of Actively Managed Funds
Actively managed funds offer professional management and can outperform the market.

These funds can adapt to market changes, making strategic decisions to maximize returns.

Considerations for Long-Term Goals
Aligning your investments with your long-term goals, like children's education and retirement, is crucial.

Evaluate the risk tolerance and time horizon for each goal.

Higher-risk investments are suitable for long-term goals but ensure you balance with lower-risk options.

Direct vs Regular Funds
Direct funds have lower expense ratios but require more effort in fund selection and monitoring.

Regular funds, through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP), provide professional guidance.

Regular funds can help you make informed decisions, balancing risks and returns effectively.

Rebalancing Your Portfolio
Periodic rebalancing ensures your portfolio aligns with your goals and risk tolerance.

Review your investments at least annually or when significant market changes occur.

Rebalancing helps in capturing profits and reinvesting in underperforming assets, maintaining your desired asset allocation.


Your commitment to investing for your family's future is commendable.

You have made informed choices in diversifying your investments, which is excellent.

Long-term investing requires patience and discipline, and you are on the right track.

Conclusion
Your diversified portfolio is a good foundation for long-term goals.

Consider reducing small-cap exposure and reallocating to more stable funds.

Regular review and rebalancing are essential for continued success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in