I am having SIPs since last 4 years as follows:

Ans:

1) Mirae Asset Emerging BlueChip Fund: Please continue

2) Kotak Multicap Fund: Uti Equity Fund-growth Plan-growth is better option

3) Motilal Oswal Multicap 35 Fund: Uti Equity Fund-growth Plan-growth is better option 

4) L&T Midcap Fund: Please continue

5) SBI Small.cap Fund: Please continue

6) DSP small.Cap.Fund: Merge it with SBI Small Cap

Ans:

Axis and Kotak schemes can be continued.

Top 2 small cap funds are (4-Star rated)

• Kotak Small Cap Fund
• Axis Small cap fund

Ans: It is most probably a post nasal drip. Have you seen an ENT specialist. Could try regular breathing exercises (pranayam) . Swimming helps. May need to use a steroid based nasal spray for some time.

Ans: Your commitment to investing is truly impressive, especially with such substantial monthly SIP contributions.

Your strategy of increasing your SIP amount by 10% annually demonstrates a proactive approach towards wealth accumulation.

Given your age of 41, you have a good amount of time ahead to capitalize on the power of compounding.

Let's break down your plan and see how we can optimize it further:

Your current SIP amount of Rs. 30,00,000 per month is substantial and shows a strong commitment towards your financial goals.

Increasing your SIP amount by 10% annually is a prudent move, considering inflation and rising expenses over time.

However, it's important to ensure that this increase doesn't strain your finances or impact your ability to meet other financial obligations.

As a Certified Financial Planner, my suggestion would be to periodically review your financial situation and reassess your SIP strategy accordingly.

Consider factors such as changes in income, expenses, and market conditions to make informed decisions about adjusting your SIP amounts.

Additionally, diversification across different asset classes and investment vehicles can help mitigate risk and optimize returns.

While SIPs are a great way to systematically invest in mutual funds, exploring other avenues such as debt funds, equities, and alternative investments can further enhance your portfolio's performance.

Remember to stay focused on your long-term financial goals and avoid making impulsive investment decisions based on short-term market fluctuations.

Lastly, I want to commend you for your dedication to financial planning. With continued discipline and strategic decision-making, you're well-positioned to achieve your financial aspirations.

Keep up the great work, and remember that I'm here to support you every step of the way!