Details of my mutual fund portfolio are as under:

Name of the Fund	Category	RankMF Star Rating
Axis Blue Chip Mutual Fund	Equity - Large Cap Fund	5
Axis Midcap Fund Growth	Equity - Midcap Fund	4
CanaraRobeco Equity Diversified Fund Regular Growth	Equity - Multi Cap Fund	4
DSP Small Cap Fund Regular Growth	Equity - Small cap Fund	2
HDFC Midcap opportunities Fund Growth	Equity - Midcap Fund	3
ICICI Prudential Exports and Services Fund Growth	Equity - Sectoral Fund - Service Industry	2
IDFC Multi cap Fund Regular Growth	Equity - Multi Cap Fund	4
L&T Equity Fund Regular Growth	Equity - Multi Cap Fund	4
L&T India Value Fund Regular Growth	Equity - Value Fund	3
Nippon India Multicap Fund	Equity - Multi Cap Fund	2
SBI Blue Chip Fund	Equity - Large Cap Fund	4
SBI Consumption opportunities Fund Regular Growth	Equity - Sectoral Fund - FMCG	3
SBI Focussed Equity Fund Regular Growth	Equity - Focused Fund	4

Ans: 4 and 5 star funds can be continued; better small cap options are as under:

Small Cap:

• Kotak Small Cap fund – growth
• Axis Small Cap fund -growth

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

• Tata Equity PE Fund - Growth
• UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

• UTI Equity Fund – Growth
• Axis Multicap Fund – Growth

Equity - Large Cap Fund:

• UTI Mastershare Unit Scheme - Growth Plan
• LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

• MOSL Midcap 30 Fund – Growth
• DSP midcap – growth

Equity - Small Cap Fund:

• Kotak Small Cap Fund – Growth
• Axis Small cap Fund - Growth

Ans: You may continue with 4 & 5-Star rated ones and rest can be relooked. 

Large and Midcaps: 

• Axis Growth Opportunities Fund – Growth
• Tata Large and Midcap Fund - Growth

Small Caps:

• Kotak Small Cap
• Axis Small Cap

Ans:

Small Caps:

• Kotak Small Cap
• Axis Small Cap

Ans: Your mutual fund portfolio demonstrates a commendable commitment to long-term wealth accumulation, especially given the significant growth in value and the impressive annualized return of 20.20%. Let's assess your portfolio components and make some recommendations:
1. SBI Blue Chip Fund: With a conservative approach, this fund provides stability and growth potential through investments in large-cap companies. Your allocation of 4k seems reasonable for diversification.
2. Mirae Asset Large Cap Fund, ICICI Prudential Large and Midcap Fund, SBI Large and Midcap Fund: These funds offer exposure to both large and mid-cap segments, providing diversification across market capitalizations. Your allocations are well spread out, contributing to portfolio resilience.
3. HDFC Mid-Cap Opportunities Fund, KOTAK SMALL CAP FUND, Nippon India Small Cap Fund: These funds target mid and small-cap segments, which historically offer higher growth potential. However, they also come with increased volatility. Considering your risk appetite, you might want to review your allocations and ensure they align with your risk tolerance.
4. ICICI Prudential Value Discovery: This fund follows a value-oriented investment strategy, focusing on undervalued stocks with the potential for long-term growth. It adds depth to your portfolio diversification.
5. HDFC Balance Advantage Fund: This dynamic asset allocation fund aims to provide stable returns by adjusting equity exposure based on market valuations. It serves as a hedge during market downturns, enhancing portfolio stability.
6. PARAG PARIKH FLEXI CAP FUND: Known for its flexible investment approach across market capitalizations, this fund complements your portfolio well. Its exposure to international equities adds diversification benefits.
7. UTI NIFTY INDEX FUND GROWTH PLAN: While index funds offer low-cost exposure to market indices, they lack the potential for outperformance compared to actively managed funds. Given your diversified portfolio, it's advisable to review the need for this fund and potentially reallocate the investment to actively managed funds with higher growth potential.
Considering your goal of achieving 15cr by 2042, it's crucial to maintain a disciplined approach towards savings and investment. You're already on the right track with your increasing SIP contributions annually. Regularly review your portfolio's performance and rebalance if necessary to stay aligned with your long-term objectives.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in