I am 45 years, single, female. I have no loans or liabilities.My annual expenses are around 6-7 lakhs. I am currently investing 31k per month since 8 months in Mutual funds . I have 10 lakhs in Liquid Funds, and around 20 lakhs in other investments like PPF, NPS and FDs. I currently earn around 1 lakh/month. I would like to have around 2 crore in the next 10-15 years in investments. What can I do better? I have mentioned my current MF portfolio below: PARAG PARIKH FLEXI CAP FUND - DIRECT PLAN ICICI Prudential Technology Fund Mirae Asset Emerging Bluechip Fund NIPPON INDIA FOCUSED EQUITY FUND NIPPON INDIA SMALL CAP FUND Nippon India Nifty Next 50 Junior BeES FoF SBI Small Cap Fund SBI NIFTY Small Cap 250 Index Fund

Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?