My daughter aged 23 yrs, got the job and she can invest Rs 60k/month., as of now she has no financial commitment ., she has an running SIP of Rs 10k in DSP MID CAP-Direct-Growth from last 36 months.. she has a time of next 4 years,, kindly advise suitable investment option please

Ans: Considering your goals, for Son's education (8 years), opt for a mix of small and mid-cap equity funds. For Daughter's education (10 years), a balanced approach with equity and debt hybrid funds is suitable. For both kids' marriage (14-15 years), consider large & mid-cap funds for long-term growth. Start SIPs and review periodically.

Ans: Hemant, it's commendable that you're planning ahead for your children's education and marriage. Given your investment horizon of 7 to 15 years, here's a tailored suggestion:

Equity Mutual Funds for Long-Term Growth: Since you already have experience investing in DSP Small Cap, you may consider continuing with it for your son's education goal. For your daughter's education and both kids' marriage goals, you can diversify into a mix of large-cap, multi-cap, and balanced funds for stability and growth potential.
Large-Cap Funds: These funds invest in established companies with a proven track record. They offer stability and are suitable for long-term goals like education and marriage. Consider allocating a portion of your investment to large-cap funds to balance risk.
Multi-Cap Funds: These funds invest across companies of different market capitalizations, offering diversification and potential for higher returns. They are suitable for longer investment horizons and can help you achieve your goals over time.
Balanced Funds: Also known as hybrid funds, these invest in a mix of equity and debt instruments, providing a balanced approach to risk and return. They can be ideal for medium to long-term goals like education and marriage.
Regular Review and Rebalancing: Periodically review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance your portfolio if necessary to maintain the desired asset allocation.
Remember to consider factors like risk tolerance, investment horizon, and financial goals when selecting mutual funds. It's also advisable to consult with a certified financial planner for personalized advice based on your specific circumstances.

Ans: Choosing the right investment for a long-term goal requires careful consideration of your daughter's risk tolerance, investment horizon, and financial goals. Given her young age and ultra-long-term investment horizon, a diversified equity-based mutual fund could be a suitable option.

You can go for a good flexi cap fund along with some allocation to a nice mid cap fund, assuming you will continue SIP for more than 10 years with required increment every year.

Remember to review your portfolio periodically and rebalance it as needed to maintain your desired asset allocation.

Ans: You can divide it into 3 parts.
1. Largecap & Midcap
2. Flexicap
3. Small cap