I want to invest 1 lakh in mutual fund and 10 k monthly sip for 10 year. Please suggest me how much wealth I will create t that time and in which fund I hae to invest. Regards Sumit Chouhan

Ans: we cannot suggest any mutual funds on this platform, if your target is for 10yrs then would suggest to pick a good combination of mid and small cap fund.

Ans: - Your amount is SIP is enough for the goal
- Exit Franklin Focused, HDFC Midcap, Mirre Multicap, Nippon Multicap
- Add Kotak Emerging Equity
- Try & keep equal investments in all the remaining & new funds

Ans: Your choice of funds reflects a focused approach towards potential growth. Investing in small-cap and multi-cap funds can offer significant growth opportunities over the long term. It's commendable that you're thinking about the future and considering a decade or more of investment.

Small-cap funds typically invest in companies with a smaller market capitalization, which can be more volatile but also offer higher growth potential. Multi-cap funds, on the other hand, provide diversification across market caps, potentially reducing risk while still aiming for growth.

However, it's essential to recognize the risks associated with small-cap investments. These funds can be more volatile and may experience significant fluctuations in value. Additionally, smaller companies may face challenges in adverse market conditions.

Regarding your investment horizon of 10-15 years, it aligns well with equity investments, which tend to perform better over extended periods. The power of compounding works in your favor over such a timeframe.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


To maximize your investment's potential, consider diversifying across different asset classes to mitigate risk. Also, regularly review your portfolio's performance and make adjustments as needed to stay aligned with your financial goals.

Remember, investing is a journey, and it's essential to stay patient and disciplined, especially during market fluctuations. Keep contributing regularly to your SIPs and stay informed about market developments.

Overall, with a long-term perspective and the right strategy, you're on track to potentially build a substantial corpus over the next decade or more.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in