I am 41 year old working in the software industry. I have no liabilities and I started investing in MFs for the last 4 years. I have a corpus of 10 lakh till now. My current portfolio is:

ICICI PRUDENTIAL EQUITY AND DEBT FUND - GROWTH: 10,000.00

HDFC BALANCE ADVANTAGE FUND - REGULAR PLAN - GROWTH: 10,000.00

ICICI PRUDENTIAL BLUECHIP FUND - GROWTH: 10,000.00

SBI LARGE AND MIDCAP FUND REGULAR GROWTH: 10,000.00

Canara Robeco Flexicap Fund Regular GROWTH: 10,000.00

Mirae Asset Emerging Bluechip Fund - Regular Plan GROWTH Option: 2,500.00

AXIS MIDCAP FUND - GROWTH: 2,000.00

Mirae Asset Large Cap Fund GROWTH Plan: 2,000.00

I also contribute 29,000 per month towards EPF and 17,000 per month towards NPS.

My Question is, are the above funds fine? How much corpus will I create in 15 years?

Ans: To create a corpus of Rs 5 crore the monthly investment required is of Rs 80,000.

• Parag Parikh Flexi-cap fund
• Samco Flexi Cap Fund
• HDFC Index Fund – Sensex plan
• UTI Flexi cap Fund

Ans: Corpus of 30 lakh and SIP of 70,000 can create a corpus of 3.6 cr

Ans: Given your investment horizon and goal of accumulating a corpus of 5 crore in 15 years, you're on the right track with your current MF selection. To diversify further, consider adding funds from other categories like large-cap, multi-cap, or thematic funds based on your risk appetite. Increase SIP amounts gradually over time and monitor performance regularly. Focus on funds with strong track records, competent fund managers, and aligned investment strategies. Rebalance periodically to maintain the desired asset allocation. Consult a financial advisor for personalized guidance tailored to your financial goals, risk tolerance, and investment horizon.

Ans: Thank you for sharing your financial details and goals. It's great to see your commitment to building a substantial corpus through disciplined mutual fund investments. Let's analyze your current portfolio and create a strategy to achieve your goal of Rs. 3 crores in 15 years.

Current Financial Overview
You are 34 years old, drawing a salary of Rs. 90,000 per month. Your monthly investments in mutual funds are Rs. 22,000 with the following allocation:

Quant Small Cap Fund: Rs. 5,000
Nippon Small Cap Fund: Rs. 5,000
Aditya Birla Front Line Equity Fund: Rs. 2,000
Kotak Flexi Cap Fund: Rs. 3,000
Axis Growth Opportunities Fund: Rs. 5,000
Quant Infrastructure Fund: Rs. 2,000
Your current obligations are Rs. 8,000 per month.

Evaluating Your Portfolio
Your current mutual fund portfolio is diversified across small-cap, large-cap, and sector-specific funds. This diversification is essential for balancing risk and achieving long-term growth. However, we should evaluate each fund's performance and consider adjustments.

Quant Small Cap and Nippon Small Cap Funds
Small-cap funds have high growth potential but come with higher risk. Continue investing but monitor performance regularly.

Aditya Birla Front Line Equity Fund
Large-cap funds provide stability. Consider increasing your allocation to large-cap funds for balanced growth.

Kotak Flexi Cap Fund
Flexi-cap funds offer flexibility to invest across market capitalizations. These funds can adapt to market changes, making them a good choice.

Axis Growth Opportunities Fund
This fund focuses on growth stocks, which can provide significant returns. Keep a close watch on its performance.

Quant Infrastructure Fund
Sector-specific funds can be volatile. Infrastructure funds can perform well during economic growth but consider their cyclical nature.

Suggested Adjustments
To achieve your goal of Rs. 3 crores in 15 years, you may need to increase your monthly investment and optimize your portfolio.

Increase Monthly SIP
Based on typical mutual fund returns, consider increasing your SIP to around Rs. 30,000 - Rs. 35,000 per month. This adjustment can help you reach your target corpus more comfortably.

Review Fund Performance
Regularly review the performance of your funds. Switch funds that consistently underperform and reallocate to better-performing ones.

Add Diversified Equity Funds
Consider adding diversified equity funds to your portfolio. These funds invest across sectors and market capitalizations, providing balanced growth.

Investment Strategy for Rs. 3 Crore Corpus
Monthly SIP Calculation
To build a corpus of Rs. 3 crores in 15 years, assume an average annual return of 12%. Based on this, you need to invest approximately Rs. 30,000 - Rs. 35,000 per month.

Systematic Increase in SIPs
Consider gradually increasing your SIP amount as your income grows. This strategy leverages the power of compounding and boosts your corpus.

Balanced Portfolio
Maintain a balanced portfolio with a mix of small-cap, large-cap, flexi-cap, and diversified equity funds. This balance mitigates risk and enhances returns.

Importance of Regular Monitoring
Annual Portfolio Review
Conduct an annual review of your portfolio. Assess fund performance, market conditions, and your financial goals. Make adjustments as needed.

Rebalance Your Portfolio
Rebalancing ensures your portfolio remains aligned with your risk tolerance and financial objectives. It involves realigning asset allocation to maintain the desired risk level.

Professional Guidance
Certified Financial Planner
Consult a Certified Financial Planner (CFP) to tailor your investment strategy. A CFP can provide personalized advice, helping you optimize your investments and achieve your financial goals.

Conclusion
You are on the right track with your current investments. By increasing your SIP amount and optimizing your portfolio, you can achieve your goal of Rs. 3 crores in 15 years. Regular monitoring and professional guidance will further enhance your financial security. Stay disciplined and focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in