My husband and I are investing around 1.25 lacs per month in mutual funds and we have invested in more than 15 funds. Could you please help by telling me which funds (non-tax saver) I can continue for the next 5 years or more so that I will stop the rest of them?

Below is the list of funds and the investment we are making per month:

Funds -- Amount per month

• HDFC Top 100 -- 20,000
• Canara Robeco Emerging Equities   -- 20,000
• Mirae Asset Emerging Bluechip Fund -- 5,000
• SBI Gold Fund- Dir Plan Growth -- 5,000
• Axis blue chip direct -- 5,000
• Quant Mutual Fund -- 8,000
• DSP BlackRock Tax Saver -- 2,000
• Mirae Asset Tax Saver Fund -- 5,000
• SBI small cap -- 10,000
• Axis Mid Cap Fund -- 5,000
• Mirae Asset Healthcare Fund -- 7,000
• PGIM India Midcap Opportunities Fund -- 7,000
• Tata digital india fund -- 10,000
• Parag parikh flexi cap fund -- 5,000
• axis growth opportunities fund -- 5,000
• ICICI Prudential Asset Allocator Fund -- 5,000

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

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