Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: Funds are good and the best part is your goal is for 15yrs which is a good sign of investing.
with 18% of overall returns with these funds your corpus at the end would be Rs. 7,42,41,062/-
with 20% of overall returns with these funds your corpus at the end would be Rs. 8,92,08,227/-
with 22% of overall returns with these funds your corpus at the end would be Rs. 10,72,60,404/-
so watch accordingly on the returns and track funds.

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Ans: Considering your long-term investment horizon of 25-30 years and your risk appetite, your selection of mutual funds seems suitable. However, it's essential to ensure proper diversification across different asset classes and market segments to mitigate risk. Since you are a farmer and have a monthly savings capacity of Rs. 15,000, you can distribute your investments across these funds based on your risk tolerance and financial goals. Additionally, consider consulting with a financial advisor to fine-tune your investment strategy and ensure alignment with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your goals.

Ans: Knowing that you are making plans to reach your objective is constructive. After analyzing your current investment, you will have approx Rs 2.87 Cr in 10 years considering your monthly investment (SIPs) of Rs 1.25 Lakhs over 10 years.

While calculating above computation, we have taken the rate of return @12% p.a.
Your portfolio is more aligned towards small cap category. We suggest you to take some exposure towards Large Cap & Hybrid Fund categories too. Proper diversification helps the portfolio to generate & preserve the wealth in the long-term investment horizon.

For achieving the goal of Rs 5 Cr, we suggest you to increase your SIPs by Rs 95,000/- or invest the bulk (one time) Rs 70 Lakhs/-. You could also have a combination of the same and aim to increase your SIPs over the years as you get more financial ability to do so.

Note: We have assumed the monthly investment of Rs 1.25 Lakhs, while providing our recommendation.