Hello I'm Shiva, I'm 37 yrs old and getting 1.25 L per month. I invest 35000 in EPF n VPF, 25000 in PPF n wife's PPF, 5000 in NPS.10000 in New startups. Is my portfolio good & How can I change my protfolio for secured and higher returns in short time .?

Ans: Hello Biju Singh. Using your current sip and lump sum investment, you can achieve 30 lakh corpus in 8 years with an expected CAGR of 14%. As far as the amount is concerned, no modification is necessary.

In addition, I suggest that Axis Bluechip, HDFC Small Cap and Parag Parikh schemes be revisited with respect to their better peer schemes. I hope this resolves your concern.

Ans: Hello Sanjeev,

Your investment portfolio appears to be diversified with a mix of mutual funds, insurance, and other instruments. Diversification is key to managing risk and potentially achieving better returns over the long term. However, it's essential to periodically review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Consider assessing the performance of each mutual fund regularly and comparing it with benchmark indices and peer funds. If any fund consistently underperforms or if your investment goals change, you may consider reshuffling your investments.

Additionally, continue contributing to instruments like PPF and NPS, as they offer tax benefits and long-term wealth accumulation opportunities. Remember, investing is a journey, and staying disciplined while focusing on your goals will increase your chances of achieving financial success.

Ans: Your plan seems to be reasonable to achieve your target of Rs 5 Cr in 25 year's time. But given that the total allocation of mid-small-caps (i.e. non-large-caps) will be more than 50% in this portfolio, it must be understood that this is a portfolio suitable for a sufficiently high-risk appetite. If this is in line with what your understanding is then it is fine, else, consider increasing allocation to largecaps as well.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.