Hello My name is Dr Ali.I am investing close to 35 k every month in S.I.P. My portfolio is bandhan small cap 9000 P.M,Icici infrastructure fund7000and the remaining amount of 20 k is distributed between 11 funds in which average amount is 1000 and the fund includes icici business cycle,axis gold, Motilal oswal small cap 250, Franklin build India, Nippon small india icici pharma and healthcare,mirae assets large,small cap etc.I took so many funds to diversify my portfolio my aim is to invest at least 30 years more.My questions is should i reduce my portfolio or continue with it

Ans: Please continue

I have only one daughter; she is 10. So apart from this I want to invest additional 5000 per month SIP for at least 10 years for her higher education. Kindly guide me for direct SIP looking at my age and purpose.

You may consider these funds:

• Axis Esg Equity Fund - Growth
• Uti Flexi Cap Fund -growth
• Samco Flexi Cap Fund - Growth
• Hdfc Index Fund - Sensex Plan - Growth

Ans: Your current investment portfolio appears to be diversified across different market segments, which is a good strategy for long-term growth. However, it's essential to consider the risk associated with each segment and ensure it aligns with your risk tolerance and investment goals. Reviewing your portfolio regularly and making adjustments as needed can help maintain a balanced approach and optimize returns over time. Consulting with a financial advisor can provide personalized guidance based on your individual circumstances and objectives.

Ans: Here's the analysis of your portfolio and recommendations:

1. Kotak Flexi Cap Fund: This is a diversified equity fund that invests across large, mid, and small-cap stocks. It's generally a good choice for long-term wealth creation due to its flexibility in picking stocks across market capitalisations. Given its track record and flexibility, it's a solid choice for your portfolio.

2. Nippon India Low Duration Fund: This fund is a debt fund that aims for stable returns by investing in a mix of short-term debt and money market instruments. It's a good choice for diversification and for managing the risk of your overall portfolio. It provides stability and can act as a counterbalance to the volatility of equity funds.

3. SBI Blue Chip Fund: This is a large-cap equity fund that invests in well-established, blue-chip companies. It's suitable for investors looking for stability and moderate growth. Since you already have exposure to large caps through this fund, you may consider whether you want to further diversify into other segments.

4. Sundaram Focused Fund: This fund focuses on a concentrated portfolio of stocks, typically around 25-30 stocks. It aims to generate alpha by investing in high-conviction ideas. While concentrated funds can potentially offer higher returns, they also carry higher risk due to the limited diversification. Consider whether you're comfortable with this level of risk in your portfolio.

5. Tata Mid Cap Growth Fund: Mid-cap funds like this one invest in stocks of mid-sized companies with high growth potential. They can be more volatile than large-cap funds but offer the potential for higher returns over the long term. Given its focus on mid-caps, it complements your large-cap investments well.

6. UTI Nifty 500 Value 50 Index Fund: This index fund tracks the Nifty 500 Value 50 Index, which comprises 50 stocks selected from the Nifty 500 index based on value investing principles. It's a good choice for passive investors seeking exposure to fundamentally strong, undervalued companies across market capitalisations.

7. UTI Mid Cap Fund: This fund specifically targets mid-cap stocks, similar to the Tata Mid Cap Growth Fund. Since you already have exposure to mid-caps through the Tata Fund, you may consider whether you want to maintain duplicate exposure to this segment or consolidate your mid-cap investments into a single fund.

8. SBI Infrastructure Fund: This fund focuses on the infrastructure sector, which can offer growth opportunities but also comes with sector-specific risks. It's suitable for investors with a higher risk appetite and a bullish outlook on the infrastructure sector.

Overall, your portfolio appears well-diversified across different asset classes and market segments. However, you might want to consider pruning some redundancy, such as whether you need both SBI Infrastructure Fund and Tata Mid Cap Growth Fund, or UTI Mid Cap Fund and Sundaram Focused Fund.

Additionally, periodically review the performance and consistency of each fund to ensure they continue to align with your investment goals and risk tolerance. Consider consulting with a financial advisor for personalised advice tailored to your specific financial situation and objectives.