Hello Mr Lala, I am 42 and I am investing in the following schemes. some for close to 8/9 years now. Please let me know your thoughts. Mirae Asset Large & Midcap Fund-Reg(G) - 5000, MOTILAL OSWAL M100 ETF - 2500 (STEPUP - 20% YoY), Quant ELSS Tax Saver Fund(G) - 5000, Quant Focused Fund(G) - 5000, SBI Small Cap Fund-Reg(G) - 5000, Tata ELSS Tax Saver Fund-Reg(G) - 1000, HDFC SMALL CAP FUND - REGULAR PLAN - GROWTH PLAN - 1000, AXIS BLUECHIP FUND-GROWTH - 1000, Motilal Oswal Nasdaq 100 FoF - 2500 Besides these I have off late started investing 15K in equities every month with the help of a SEBI Registered advisor. Yearly out go in PPF - 21600. My idea is to hold on to equities for the long term hence mostly blue chip stocks. I have also invested in Term Insurance - 75L. Besides that I do invest in ESPP and also hold some RSUs Please evaluate & let me know your thoughts. My liabilities are - HL - 36K monthly out go - 14 years left Car Loan - 31K 4 years left Monthly Salary - 2.3L

Ans: It's great to see your proactive approach to investing and financial planning. Let's review your current investment portfolio:

• Firstly, investing in a mix of mutual funds, ETFs, and direct equity demonstrates a diversified approach to wealth creation, which is crucial for managing risk effectively.

• Mirae Asset Large & Midcap Fund, SBI Small Cap Fund, and HDFC Small Cap Fund offer exposure to different segments of the market, providing diversification benefits.

• Quant ELSS Tax Saver Fund and Tata ELSS Tax Saver Fund are tax-saving investments that offer potential tax benefits under Section 80C of the Income Tax Act. It's essential to review their performance and compare them with peers periodically.

• Axis Bluechip Fund and Motilal Oswal Nasdaq 100 FoF focus on blue-chip stocks and global equities, respectively, providing exposure to different geographies and sectors.

• Investing in PPF is a prudent move for long-term wealth accumulation, given its tax benefits and safety. However, it's essential to ensure that your overall portfolio is adequately diversified across asset classes.

• Term insurance coverage of 75 lakhs is commendable and ensures financial protection for your loved ones in case of any unforeseen events.

• Holding some of your investments in ESPP (Employee Stock Purchase Plan) and RSUs (Restricted Stock Units) can complement your overall investment strategy, but it's crucial to diversify beyond company-specific investments.

• Regarding your liabilities, it's good to see that you have a clear picture of your outstanding home loan and car loan. It's essential to manage these liabilities efficiently while focusing on wealth creation.

In conclusion, your investment portfolio reflects a balanced approach to wealth creation, with a mix of mutual funds, direct equity, and tax-saving instruments. However, it's essential to regularly review your portfolio's performance, reassess your financial goals, and make adjustments as needed. Keep up the good work, and here's to your continued financial success!