I am 45 & my monthly SIP are as below - To have a final value of 10 cr in 12 years will below be enough ? UTI Nifty 50 Index Fund (G) - Direct plan - 50000/- Parag Parikh Flexicap Fund (G) - Direct plan - 50,000/- SBI Magnum Midcap Fund (G) Direct Plan - 15,000/- ICICI Prudential Equity and Debt Fund- G – Direct Plan - 15,000/- ICICI Prudential Gilt Fund- G – Direct Plan - 15,000/- Mirae Asset Emerging Bluechip Fund Growth - 5,000/- Bank RD - 20,000/-

Ans: Your portfolio seems well-diversified with exposure to various asset classes, including large-cap, flexi-cap, mid-cap, debt, and gilt funds. However, whether it will be enough to reach a final value of 10 crores in 12 years depends on several factors:

Investment Amount: The total monthly SIP amount you're investing is substantial, which is a positive factor.
Historical Performance: Assess the historical performance of the selected funds to gauge their potential for achieving your goal. Keep in mind that past performance is not indicative of future results.
Market Conditions: Market volatility and economic factors can impact the performance of your investments. Stay informed about market trends and adjust your portfolio as necessary.
Inflation and Returns: Consider the impact of inflation on your target amount of 10 crores. Ensure that your investments generate returns that outpace inflation to preserve your purchasing power.
Regular Review: Periodically review your portfolio's performance and make adjustments if needed to stay on track towards your goal.
It's advisable to consult with a Certified Financial Planner who can provide personalized advice based on your financial situation, risk tolerance, and goals. They can help you assess the feasibility of your target and make any necessary adjustments to your investment strategy.