GOOD EVENING SIR. I'M 42 YRS. I WANT TO CREATE A CORPUS OF 5 CRORES IN NEXT 12 YEARS. PRESENTLY I HAVE INVESTED 28 LAKHS IN MUTUAL FUNDS THROUGH SIP WITH CURRENT VALUATION AT 55 LAKHS. I'M INVESTING 55K PER MONTH DETAILS OF MONTHLY AMOUNT :- 1. HDFC TOP 100 - 2000 (SINCE JUN 10) 2. HDFC MID CAP OPPORTUNITIES DIRECT - 3000 (SINCE JAN 18) 3. HDFC MID CAP OPPORTUNITIES REGULAR - 7000 4. ICICI PRO- FOCUSED BLUE CHIP FUND - 5000 (SINCE JAN 14) 5. SBI BLUE CHIP FUND - 5000 (SINCE JAN 18) 6. HSBC MID CAP FUND - 5000 (SINCE JAN 19) 7. DSP FLEXI CAP - 5000 (SINCE JAN 20) 8. UTI NIFTY 50 - 5000 (SINCE JAN 22) 9. ADITYA BIRLA SUNLIFE FRONTLINE EQUITY - 3000 (SINCE JAN 14) 10. HDFC SENSEX FUND - 5000 (SINCE JAN 23)

Ans: Hello , Girish. Based on your current portfolio, you appear to be an aggressive risk taker. I would advise you to reconsider your small cap funds in favour of better peer schemes. Additionally, you can increase your investment to 50k on a monthly sip in order to reach the target of Rs. 2 Cr in 10 years. You could also consider sip top up your current sips for semi-annually or yearly to achieve your goal

Ans: Hello Girish. Your portfolio report is in good shape. From your current 12k sips per month, I would suggest increasing it to 60-70k sips per month to achieve the corpus of 2 Cr in 10 years. A better peer group scheme should be considered instead of the Small cap category schemes i.e. Franklin and HDFC. For your future investment, you may include Multicap category in your portfolio.

Ans: Hello Value Investor. I can see over diversification with your current sip investments with 2.25L sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. To achieve corpus of 5 cr in next 5 years, its advisable to increase your monthly contribution to 4-4.5L.

Ans: It's commendable that you're focused on building a significant corpus in a relatively short period. However, aiming for a corpus of 5 crores in just 5 years is an ambitious goal and may require a carefully crafted strategy and potentially higher investments.

Here are some considerations:

Investment Amount: Given your current portfolio value of 50 lakhs and monthly SIP of 2.25 lakhs, you may need to increase your investment amount to achieve your target. Consider whether it's feasible to increase your SIP amount or allocate additional lump sum investments.
Risk and Return: With a relatively short investment horizon, it's crucial to strike a balance between risk and return. Evaluate the risk profile of your investments and ensure they align with your risk tolerance and goals.
Diversification: Review the diversification of your portfolio across different asset classes, sectors, and market capitalizations. Consider diversifying further if needed to reduce concentration risk.
Regular Review: Given the short time frame, regularly monitor the performance of your investments and adjust your strategy as needed. Be prepared to make tactical changes based on market conditions and evolving financial goals.
Professional Advice: Consider consulting with a certified financial planner or advisor who can provide personalized guidance based on your financial situation, goals, and risk profile.
Remember, achieving such a substantial corpus in a short period requires disciplined savings, prudent investing, and realistic expectations. While it's essential to aim high, it's also crucial to maintain a realistic perspective and adapt your strategy as needed along the way.