I am a  reader of your blog and like the same. I am a 39 year single working female. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments.

Also plan to withdraw/use lump sum investments for home buying. Kindly advise. I plan to continue the SIPs for the long term.

My lump sum investments are as follows:

Sr. no.	Date	MF name	Amount
1	20-11-2019	UTI Mastershare Unit Scheme- Growth	200000
2	22-11-2019	UTI Liquid Cash Plan -  Plan - Growth	300000
	09-11-2020	Withdraw UTI Liquid Cash Plan -  Plan - Growth	250000
3	11-11-2020	UTI Liquid Cash Plan -  Plan - Growth	200000
4	01-01-2020	Axis Retirement Savings Fund - Dynamic Plan,  growth	30000
5	01-01-2020	Axis Retirement Savings Fund - Aggressive Plan,  growth	40000
6	01-01-2020	Axis Retirement Savings Fund - Conservative Plan,  growth	30000
7	23-07-2021	UTI Ultra Short Term Fund -  Growth Plan	40000
8	23-07-2021	UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) -  Growth	30000
9	23-07-2021	UTI Mastershare Unit Scheme -  Growth Plan	30000
10	28-07-2021	UTI Ultra Short Term Fund -  Growth Plan	50000
11	04-08-2021	UTI Focused Equity Fund -  Growth Plan	30000
12	02-09-2021	UTI Liquid Cash Plan -  Plan - Growth	120000
13	01-10-2021	HDFC Developed World Indexes Fund of Fund	25000
14	01-10-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth -  Plan	25000
15	04-10-2021	SBI Focused Equity Fund ( growth )	25000
16	04-10-2021	DSP Flexi Cap Fund	25000
17	01-11-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth -  Plan	25000
18	01-11-2021	ICICI Prudential Multi-Asset Fund - Growth	25000
19	01-11-2021	HDFC Large and Mid Cap Fund -  Plan - Growth (Erstwhile HDFC Growth Opportunities Fund)	25000
20	01-11-2021	DSP Mid Cap Fund -  Plan - Growth	25000
21	01-12-2021	HDFC Multi Cap Fund  Growth	20000
22	01-12-2021	Axis Multicap Fund  Growth	20000
23	3.01.2022	HDFC Multi Cap Fund  Growth(HMCRG)	50000
		TOTAL MF	1140000

My SIP portfolio is as below:

Sr. no.	Start Date	MF name	Amount
1	22-11-2019	ULIP	3000
2	22-11-2019	UTI Mastershare / UTI	4000
3	22-11-2019	UTI Equity fund / UTI	4000
4	22-11-2019	UTI MNC Fund / UTI	5000
5	25-11-2019	Aditya Birla Sunlife Focus / HDF	3000
6	25-11-2019	Aditya Birla Sunlife India / HDF	3000
7	26-11-2019	Axis Bluechip / UTI	2000
8	26-11-2019	Axis Multicap Fund / UTI	2000
9	19-12-2019	HDFC Equity Fund	1000
10	20-12-2019	HDFC Top Fund	1000
11	13-01-2020	UTI Flexi Cap Fund(UTI Equity fund) growth plan	2000
12	13-01-2020	UTI Value Opportunities Fund -  fund	2000
13	10-01-2020	ICICI Prudential Bluechip Fund	1000
14	10-01-2020	ICICI Prudential Multicap Fund	1000
15	13-01-2020	ABSL India Gen Next Fund	1000
16	13-01-2020	ABSL Equity Fund	1000
		Total	36000

Ans: Please continue with the SIPs and liquidate the liquid funds first. Then depending upon exit loads others can be liquidated.

Ans: Hello Biju Singh. Using your current sip and lump sum investment, you can achieve 30 lakh corpus in 8 years with an expected CAGR of 14%. As far as the amount is concerned, no modification is necessary.

In addition, I suggest that Axis Bluechip, HDFC Small Cap and Parag Parikh schemes be revisited with respect to their better peer schemes. I hope this resolves your concern.

Ans: Hello Habeeb. Your portfolio seems over-diversified. I would suggest to reconcise and reshuffle your portfolio with 31.5k SIP. I would suggest reconsider the schemes for LIC MF, Axis AMC & SBI AMC.

Ans: Portfolio Overview
You have an impressive portfolio. Your assets include real estate and mutual funds. Your emergency fund is well-managed. No loans and adequate insurance add to your financial stability. You're targeting a corpus of Rs 5 crores by age 50. Let's evaluate your current investments and provide suggestions to reach your goal.

Current SIP Investments
ICICI Prudential Nifty Next 50 Index Fund - Direct Plan - Growth
Kotak Small Cap Fund - Direct Plan - Growth
Navi Nifty 50 Index Fund - Direct Plan - Growth
PGIM India Midcap Opportunities Fund - Direct Plan - Growth
Tata Digital India Fund - Direct Plan - Growth
quant Active Fund - Direct Plan
quant ELSS Tax Saver Fund - Direct Plan
quant Mid Cap Fund - Direct Plan
Current Lump Sum Investments
Mirae Asset Great Consumer Fund
Tata Midcap Growth Fund
Mirae Asset Large and Midcap Fund
Review of Index Funds
Index funds like ICICI Prudential Nifty Next 50 and Navi Nifty 50 Index Fund track market indices. They lack flexibility. Active funds can outperform by selecting better-performing stocks.

Benefits of Actively Managed Funds
Active funds, managed by experts, can adapt to market changes. They have the potential to outperform indices. Funds like Kotak Small Cap and PGIM India Midcap Opportunities are examples of well-managed active funds.

Regular Funds Over Direct Funds
Regular funds come with the benefit of professional advice. Investing through a Certified Financial Planner (CFP) can help in making informed decisions. CFPs can guide on fund selection and portfolio balancing.

Portfolio Tweaks and Suggestions
Replace Index Funds: Shift from index funds to actively managed funds for better returns. Consider funds with a consistent performance record.

Diversify Across Asset Classes: Ensure your portfolio has a good mix of equity, debt, and gold. This helps in risk management.

Review Small Cap Exposure: Small cap funds are high-risk, high-return. Ensure they align with your risk tolerance.

Increase SIP Amount: If possible, increase your SIP amount gradually. This will help in compounding your investments.

Monitor Fund Performance: Regularly review the performance of your funds. Exit underperforming funds and switch to better options.

Additional Considerations
Rebalance Your Portfolio: Periodically rebalance your portfolio to maintain the desired asset allocation.

Tax Planning: Utilize ELSS funds for tax-saving under Section 80C.

Emergency Fund: Ensure your emergency fund remains adequate as your expenses increase over time.

Final Insights
Your portfolio is robust, with a good mix of assets. Shifting from index funds to actively managed funds can enhance returns. Regularly review and rebalance your portfolio to stay on track. Increasing your SIP amount and diversifying across asset classes will also help in achieving your Rs 5 crore target by age 50.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Ans: You have a well-structured portfolio with a mix of traditional and modern investment options. Here's a detailed review of your current investments:

1. Home Loan Consideration
EMI Commitment: Rs 71,000 per month is a significant portion of your income. With five years remaining on the loan, your focus should be on managing this efficiently without over-leveraging yourself.
2. Traditional Investments
Sukanya Samriddhi Account (SSA): Investing Rs 1.5 lakhs per year is a great move for your daughter's future. SSA offers tax benefits under Section 80C and provides a decent interest rate, ensuring a secure corpus for her education or marriage.

Public Provident Fund (PPF): Rs 1.5 lakhs annually in PPF is a prudent choice for long-term wealth creation. The tax-free interest and the secure nature of PPF make it an excellent tool for retirement planning.

3. SIP Portfolio Analysis
Diversification: Your SIPs are well-diversified across large-cap, mid-cap, small-cap, and sectoral funds, which is good for balancing risk and reward.

Fund Selection:

Parag Parikh Flexicap Fund: This fund is known for its consistent performance, with a mix of domestic and international equities. It adds stability to your portfolio.

Quant Active Fund: This fund is a good choice for active management and offers exposure to multiple sectors. However, Quant funds are known for their aggressive approach, so monitoring is key.

Motilal Oswal Midcap Fund: A focused approach on mid-cap stocks, which are riskier but offer higher growth potential. It’s a good fit for your risk appetite.

Quant Smallcap Fund and Canara Robeco Smallcap Fund: Small-cap funds can be volatile, but they offer high growth potential over the long term. Since you have two small-cap funds, you might consider if this exposure aligns with your risk tolerance.

Tata Digital India Fund: This sectoral fund focuses on the IT sector. While it has delivered strong returns, sectoral funds can be risky if the sector underperforms. Consider if you need this level of sectoral exposure.

ICICI Prudential Nasdaq Index Fund: While this fund gives exposure to global tech giants, it's tied to the performance of the Nasdaq index. Since it’s an index fund, it lacks active management, which could be a disadvantage in volatile markets.

4. Suggestions for Improvement
Review Small-Cap Exposure: You have a significant portion in small-cap funds. Small-cap funds can be volatile, and holding two such funds increases your risk. Consider consolidating or reducing exposure if it doesn't match your risk tolerance.

Reassess Sectoral Allocation: Your investment in Tata Digital India Fund ties you to one sector. If the sector performs poorly, your returns could be negatively impacted. Diversifying into a broader thematic fund might be a safer alternative.

Consider Active Management: The ICICI Prudential Nasdaq Index Fund, being an index fund, may not perform as well in bear markets. Consider switching to an actively managed international fund that can adapt to changing market conditions.

5. Final Insights
Your current investment strategy is robust, with a good mix of traditional and market-linked investments. However, you should regularly review your portfolio to ensure it aligns with your financial goals and risk tolerance. Consider consolidating your small-cap exposure and reassessing your sectoral allocation to reduce risk.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in