Hello Kirtan, I am 35 years old and I am doing SIP of 17700. 4000 in TATA multicap, 3000 in TATA digital, 1000 in TATA small cap, 4400 in HDFC flexicap, 3300 in ICICI NIFTY 50 INDEX and 2000 in NIPPON INDIA SMALL CAP. What is your Opinion. I have no short terms goal. I just want to invest money for as long as I can.

Ans: All are decent funds, please continue

Ans: You may continue with 1, 2, 5, 6, 7 and 10.

Ans: Hello Mriganka. Your portfolio appears to be over-diversified. There is a proportion in both sector and thematic funds. Hence, I would suggest you to reconcise and reshuffle your portfolio. Also, reconsider Edelweiss mid-cap and Tata Small Cap Fund. With 31k monthly sip you may achieve a corpus of 4.08 cr in the next 20 years with 14% CAGR.

Ans: Congratulations on taking proactive steps towards securing your financial future at the age of 45! Your commitment to investing is admirable and sets a solid foundation for wealth accumulation.

Understanding Your Portfolio:

You've chosen a diversified portfolio with investments across various mutual funds, including small-cap, flexi-cap, large and mid-cap, and ELSS tax saver funds. Additionally, your investment in Liquiloans adds an alternative asset class to your portfolio.

Assessing the Investment Mix:

Your portfolio reflects a well-rounded approach, with exposure to different market segments and investment styles. Small-cap funds offer growth potential, while flexi-cap and large and mid-cap funds provide stability and diversification.

Evaluating Investment Choices:

Each fund you've selected has its unique investment objective and risk profile. Aditya Birla Sun Life Small Cap Fund and Canara Robeco Emerging Equities focus on small and emerging companies, potentially offering high returns but also higher volatility.

Axis Flexi Cap Fund, HDFC Large and Mid Cap Fund, and ICICI Prudential Flexicap Fund offer flexibility in asset allocation, blending exposure across market caps. Nippon India ELSS Tax Saver Fund provides tax benefits along with long-term wealth accumulation.

Analyzing Additional Investment:

Your decision to invest in Liquiloans introduces an element of diversification beyond traditional mutual funds. However, peer-to-peer lending platforms like Liquiloans carry inherent risks, including credit and default risk, which should be carefully considered.

Recommendation for Consideration:

Given your age and investment horizon, your portfolio seems appropriately diversified. However, it's crucial to regularly review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in