Hello Sir, I want to invest 30k per month in MF was planning to do it in Flexi , Mid , Small with 10k each for next 10-15 years. Can you please tell me if this is the right approach or should i divide the 10k amount as well ,i.e. 5k each of 2 flexi cap , 5k each of 2 mid cap , 5k each of small cap. Or should I invest in other type of MF as well ?Also can you also please suggest the MF.

Ans: Hello;

For getting 1 Cr in 3 years you may to increase monthly SIP amount to 2.4 L.

Else with the current monthly SIP of 1.4 L you may need 5 years to reach target of 1 Cr to pay off your loans.

Also for 5 Cr corpus target in 10 years you have two options top-up monthly sip of 1.4 L by 11% minimum each year upto 10 years.(After finishing 1 Cr target in 3/5 years)
Or
Do a flat monthly SIP of 2 L for 10 years.

Coming to your fund portfolio, I recommend the following:

1. PPFAS flexicap fund: 30 K
2. ICICI Pru Bluechip fund: 30 K
3. Motilal Oswal Midcap fund: 20 K
4. Nippon India Small cap fund: 20 K
5. ICICI Pru Value Discovery fund: 20 K
6. SBI Technology Opportunities Fund: 20 K

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Your investment approach shows a good mix of large, mid, and small-cap funds. However, there are areas where adjustments can improve risk management and returns.

Review of Existing Portfolio
Large Cap Exposure (Rs 3,000/month)

Large-cap funds offer stability.

The allocation here is low compared to mid and small caps.

A slight increase may help balance volatility.

Large & Mid Cap Exposure (Rs 5,000/month)

This fund gives exposure to both stable and growth-oriented stocks.

Keeping this allocation is fine.

Mid Cap Exposure (Rs 3,000/month)

Mid-cap funds can give high returns but are volatile.

Exposure is reasonable but should not be increased further.

Small Cap Exposure (Rs 5,000/month)

Small caps have high growth potential but also high risk.

Reducing this allocation slightly may help manage risk.

Focused Fund (Rs 3,000/month)

These funds hold fewer stocks, increasing concentration risk.

If risk appetite is low, consider switching to a more diversified fund.

Infrastructure Fund (Rs 3,000/month)

Thematic funds like this are sector-specific.

These are cyclical and may not perform consistently.

If diversification is a priority, this can be switched to a multi-sector fund.

Flexi Cap Exposure (Rs 4,000/month)

Flexi-cap funds offer flexibility across market caps.

This is a good choice and can be continued.

Contra Fund (Rs 4,000/month)

Contra funds follow a contrarian strategy, buying undervalued stocks.

These are good for long-term investing.

Keeping this allocation is fine.

Suggested Adjustments
Reduce small-cap allocation to Rs 3,000/month.

Increase large-cap allocation to Rs 5,000/month.

Consider switching out of the infrastructure fund to a more diversified fund.

If risk appetite is moderate, shift from focused fund to a flexi-cap or large & mid-cap fund.

These changes will improve diversification, reduce risk, and maintain growth potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment