I am 46 years old now and estimating a requirement of approx 2 Cr at the age of 58. I am continuing below mentioning SIP from the last two years. Need you valuable suggestions to achieve my target. 

SIPs are for Total Amount of 33000/ month

• Axis Focused 25 Fund - Growth -- 2500
• Aditya Birla Sun Life Frontline Equity Fund - Growth -- 2500
• HDFC Hybrid Equity Fund - Regular Plan - Growth -- 5000
• Axis Bluechip Fund - Growth -- 2500
• Axis Growth Opportunities Fund - Growth -- 2500
• DSP Mid Cap Fund - Growth -- 3000
• HDFC Small Cap Fund - Regular Plan - Growth -- 3000
• IDFC Focused Equity Fund - Growth -- 3000
• L&T Emerging Businesses Fund - Regular Plan – G -- 3000
• SBI Blue Chip Fund - Growth -- 3000
• UTI Flexi Cap Fund - Growth -- 3000

I am 41 years old and work in a private sector company. I will retire at the age of 58 years. I have been making SIP investments as listed below. My object is long term fund accumulation. In my family I have parents, my wife and two kids (12 and 6 years). Please guide for any further addition in SIPs upto Rs 8K to Rs 10K. Also advise if I should stop any of the SIPs. Mutual Fund - Through monthly SIP SIP Per Month Number of yeas invested 1. SBI Small Cap Fund Regular Growth Rs 2,500 2 2. SBI Focused Equity Fund Direct Growth Rs 1,500 2 3. NIPPON INDIA VALUE FUND -- GROWTH PLAN  Rs 2,000 7 4. NIPPON INDIA LARGE CAP FUND -- GROWTH PLAN  Rs 2,250 4 5. ICICI Prudential Value Discovery Fund -- Growth Rs 2,000 2 6. HDFC Top 100 Fund -- Growth Rs 2,500 9 7. HDFC TaxSaver -- Growth Rs 2,000 9 8. HDFC Mid-Cap Opportunities Fund -- Growth Rs 1,500 5 9. HDFC Flexi Cap Fund Growth (Erstwhile HDFC Equity Fund) Rs 2,000 6 10. Franklin India Smaller Companies Fund -- Growth Rs 2,000 4 11. DSP Mid Cap Fund, Reg -- G Rs 2,000 5 12. DSP Focus Fund, Reg -- G Rs 2,000 2 13. DSP Equity Opportunities, Reg -- G Rs 2,000 2 14. Aditya Birla Sun Life Tax Relief '96 Fund (ELSS U/S 80C of IT ACT) -- Growth, Regular Plan Rs 2,000 4 15. Aditya Birla Sun Life Frontline Equity Fund -- Growth, Regular Plan Rs 2,000 1 16. Aditya Birla Sun Life Equity Advantage Fund - Growth, Regular Plan Rs 2,000 4 I have also made one time investment in the funds listed below. Please guide for any switching. I also want to invest an additional Rs 80K to Rs 1 lakh. Please guide. Mutual Fund One Time investment Investment HDFC Low Duration Fund -- Growth Rs 50,245 HDFC Mid-Cap Opportunities Fund - Direct Plan -- Growth Option Rs 22,500 HDFC Small Cap Fund -- Regular Plan, Growth Rs 25,000 HDFC Housing Opportunities Fund -- Direct Plan, Growth Option Rs 20,000 Aditya Birla Sun Life Resurgent India Fund Series 6 -- Direct, Growth Rs 20,000 Aditya Birla Sun Life Low Duration Fund -- Regular Plan, Growth (formerly known as Aditya Birla Sun Life Cash Manager) Rs 79,578 Aditya Birla Sun Life Frontline Equity Fund -- Direct Plan, Growth Rs 44,000 ICICI Prudential Bluechip Fund -- Growth Rs 25,000 ICICI Prudential Value Fund Series 19 -- Direct Plan, Cumulative Rs 20,000 L&T Midcap Fund -- Growth Rs 25,000 SBI Focused Equity Fund Regular -- Growth Rs 25,000

I am presently doing a monthly SIP of Rs 60,000 in following funds and increase it every year by 10%. Kindly suggest me whether I am on right track or need some changes as my target is to generate at least Rs 12 crore in next 20 years for my retirement & daughter’s marriage. ICICI Bluechip Fund- Rs.3000 ICICI Value Discivery-Rs.3000 ICICI Mid Cap-Rs.2000 ICICI Multicap- Rs.2000 Motilal Oswal Multicap-35 – Rs.7000 Motilal Focussed 25- Rs.2500 Mirae Asset Large Cap-Rs.6000 HDFC Balanced Advantage-Rs.8000 Kotak Standard Multicap-Rs.6000 Franklin Smaller Companies Fund- Rs.6000 Axis Long Term Equity Fund-Rs.15000  Also investing about Rs 4,00,000/annum in NPS, ULIP, LIC & FDs. Name of the Fund Category RankMF Star Rating A. ICICI Bluechip Fund- Rs.3000 Equity - Large Cap Fund: 2 B. ICICI Value Discivery-Rs.3000 Equity - Value Fund: 2 C. ICICI Mid Cap-Rs.2000 Equity - Mid Cap Fund: 2 D. ICICI Multicap- Rs.2000 Equity - Multi Cap Fund: 2 E. MotilalOswal Multicap-35 – Rs.7000 Equity - Multi Cap Fund: 5 F. Motilal Focussed 25- Rs.2500 Equity - Focused Fund 5 G. Mirae Asset Large Cap-Rs.6000 Equity - Large Cap Fund: 4 H. HDFC Balanced Advantage-Rs.8000 Hybrid - Balanced Advantage 4 I. Kotak Standard Multicap-Rs.6000 Equity - Multi Cap Fund: 4 J. Franklin Smaller Companies Fund- Rs.6000 Equity - Small Cap Fund: 1 K. Axis Long Term Equity Fund-Rs.15000 Equity - ELSS 5

Age 45. Currently I am investing 25k in SIP.I can take my SIP upto 50k per month. My goal is 2cr in next 13 years. PFB my current SIPs: Tata Digital India Fund Direct Growth -- 3000 Parag Parekh Conservative Hybrid Fund Direct Growth -- 2000 Aditya Birla Sun Life Tax Relief 96 Direct Growth -- 3000 Mirae Asset Emerging Bluechip Fund Direct Growth -- 2000 DSP Tax Saver Direct Plan Growth -- 5000 IIFL Focussed Equity Fund Direct Growth -- 5000 Parag Parekh Flexi Cap Fund Direct Growth -- 5000

Sir, I am 55, following are my SIPs per month: 1. Canara Robeco Emerging Equities Direct Growth- Rs. 2000/- 2. Kotak Equity Opportunities Fund Direct Growth- Rs. 2000/- 3. SBI Flexicap Fund Regular Plan Growth- 2000/- 4. SBI Blue Chip Fund - Regular Plan Growth-5000/- 5. HDFC Mid cap Opportunity Fund - Regular Plan Growth- 2000/-. Kindly advice. Also, I would like to invest more 10,000/- per month in SIP. Please suggest where should i invest.