I have a corpus of 1 cr in mf with an ongoing monthly sip of 85k..have invested 6 lacs in stocks..I am investing 1.5 lacs each In both ppf and sukanya samridhi scheme for the past 5 years.. I also have invested in hdfc sanchay annuity plan around 5.5 lacs annually for the past 4 years which will give me a monthly income from the 12th years of 50 k.. I have FDs of around 3 cr which is giving me a return of 7% annually.. I have 2 kids and I am 43 yrs old. I am looking at building a corpus of 40 cr plus on my retirement.. I have been investing in mf since 2017.. The funds that I am investing in are 1) axis.mid cap 2) canara robeco emerging equities 3) Nippon small cap 4) Parag Parikh flexi cap 5) quant flexi cap 6) Mirae asset mid and larg cap 7) icici nifty 50 index 8) SBI focussed equity 9) hdfc balanced advantage fund 10) SBI equity hybrid fund Plz suggest if these funds are fine to reach a target of 40 cr plus in the next 17 years... My kids are 10 and 4 yrs old respectively and I want to keep 1.5 cr plus for their education. When they attain the age of 18 years respectively. Kindly suggest do I need to change the investment plan and mutual funds or should I continue with the same strategy to achieve my goal.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Ans: Diversified Investment Strategy
You have a well-diversified portfolio, which is crucial for mitigating risks and achieving long-term growth.

Diversifying across various market capitalizations can balance risk and reward effectively.

Your portfolio covers flexi-cap, mid-cap, contra, small-cap, and sector-specific funds.

Evaluating Current Funds
Flexi-cap funds provide flexibility to invest across market capitalizations, adapting to market conditions.

Mid-cap funds can offer higher growth potential compared to large-cap funds but come with higher risks.

Contra funds invest in undervalued stocks, potentially offering high returns when the market corrects.

Small-cap funds have high growth potential but are also highly volatile.

Sector-specific funds, like digital funds, can benefit from sectoral growth but carry higher risk if the sector underperforms.

Suggested Modifications
Consider reducing exposure to small-cap funds to mitigate volatility.

Reallocate some investment to more stable, less volatile funds for better balance.

Evaluate the performance and expense ratios of your current funds regularly.

Benefits of Actively Managed Funds
Actively managed funds offer professional management and can outperform the market.

These funds can adapt to market changes, making strategic decisions to maximize returns.

Considerations for Long-Term Goals
Aligning your investments with your long-term goals, like children's education and retirement, is crucial.

Evaluate the risk tolerance and time horizon for each goal.

Higher-risk investments are suitable for long-term goals but ensure you balance with lower-risk options.

Direct vs Regular Funds
Direct funds have lower expense ratios but require more effort in fund selection and monitoring.

Regular funds, through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP), provide professional guidance.

Regular funds can help you make informed decisions, balancing risks and returns effectively.

Rebalancing Your Portfolio
Periodic rebalancing ensures your portfolio aligns with your goals and risk tolerance.

Review your investments at least annually or when significant market changes occur.

Rebalancing helps in capturing profits and reinvesting in underperforming assets, maintaining your desired asset allocation.


Your commitment to investing for your family's future is commendable.

You have made informed choices in diversifying your investments, which is excellent.

Long-term investing requires patience and discipline, and you are on the right track.

Conclusion
Your diversified portfolio is a good foundation for long-term goals.

Consider reducing small-cap exposure and reallocating to more stable funds.

Regular review and rebalancing are essential for continued success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in