I have below MF investment. My age is 40 yeats. Risk Apetite is high and time horizon is for next 15 years. 1. Nippon Small Cap - 5000 (started since 2018) 2. Nippon Growth Fund - 5000 (started since 2021) 3. SBI Small Cap - 5000 (started since 2019) 4. Axis BlueChip Fund - 5000 (started since 2019) 5. Quant Small Cap - 5000 (started since 2022) 6. Quant Mid Cap - 5000 (started since 2023). Please suggest if I am on right track to get a good amount after 15 years.

Ans: Assessment of Existing MF Portfolio for Long-term Growth

Current Portfolio Evaluation:

Your existing MF portfolio comprises a mix of small-cap, mid-cap, and large-cap funds, indicating a diversified approach to wealth creation. Here's an assessment of each fund:

Nippon Small Cap Fund (Started since 2018):

Small-cap funds have the potential for high growth but come with higher volatility.
Your early investment in this fund aligns well with your high-risk appetite and long-term horizon.
Nippon Growth Fund (Started since 2021):

While growth-oriented, this fund's shorter tenure may not fully capture its potential.
Continuation of SIPs in this fund can provide exposure to growth opportunities over the long term.
SBI Small Cap Fund (Started since 2019):

Small-cap funds can deliver substantial returns over the long term, although they may experience volatility.
Your investment tenure aligns with the fund's growth trajectory, contributing to potential wealth accumulation.
Axis BlueChip Fund (Started since 2019):

Blue-chip funds offer stability and growth potential, suitable for long-term wealth creation.
Given your investment horizon, continuing SIPs in this fund can provide stability to your portfolio.
Quant Small Cap and Quant Mid Cap (Started since 2022 and 2023, respectively):

Recent additions to your portfolio indicate an inclination towards small and mid-cap segments.
While these funds offer growth potential, their shorter tenure requires monitoring for performance consistency.
Overall Portfolio Assessment:

Your portfolio reflects a high-risk appetite, suitable for long-term wealth creation. However, the recent additions to your portfolio may warrant closer monitoring due to their shorter tenure. Here are some suggestions:

Review and Monitor: Regularly review the performance of your funds to ensure they align with your investment objectives.
Risk Management: While high-risk investments offer growth potential, ensure adequate diversification to mitigate portfolio volatility.
Consider Adding Large-cap Exposure: Including a large-cap fund can add stability to your portfolio while capturing growth opportunities in established companies.
Stay Invested for the Long Term: Given your 15-year investment horizon, maintain discipline and stay invested through market fluctuations to realize the full growth potential of your investments.
Conclusion:

Your MF portfolio aligns with your high-risk appetite and long-term investment horizon. By staying invested and periodically reviewing your portfolio, you can work towards achieving your wealth accumulation goals over the next 15 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in