I have invested in the following for a long term tenure since the last three years; please review.

Also, is it enough for creating a corpus of Rs 1 crore in the next 10 years?

Mutual Funds	Plan type	Amount
Aditya Birla Sun Life Flexi Cap Fund	Growth -- Direct Plan	Rs 2,000 per month
SBI Blue Chip Fund	Direct Plan -- Growth	Rs 2,000 per month
Nippon India Small Cap Fund	Direct -- Growth	Rs 2,000 per month
Canara Robeco Emerging Equities	Direct -- Growth	Rs 2,000 per month
Axis Mid Cap Fund	Direct -- Growth	Rs 2,000 per month
UTI Nifty Index Fund	Growth Option -- Direct	Rs 2,000 per month
Motilal Oswal Nasdaq 100 ETF		Rs 2,000 per month
ICICI Regular Savings Fund (formerly ICICI Prudential MIP 25)	Direct Plan -- Growth	Lump sum Rs 50,000
SBI Equity Hybrid Fund (formerly SBI Magnum Balanced Fund)	Direct Growth	Lump sum Rs 1,00,000

Ans: Continue with 2 , 3, 4, 5, 9 & 10

Ans: Hello Vipul. You have apparently targeted a few AMCs and invested in their schemes despite the fact that the selected schemes are in line with the market. Instead, I suggest limiting AMC diversification as this could have a negative effect on portfolios due to overlapping holdings. Select one scheme per AMC.

A clear vision in allocating Debt, Hybrid, and Equity assets would also be helpful. If you invest 1 lakh as sip, your portfolio is over-diversified, the portfolio needs to be reshuffled and rebalanced.

Assuming your investment time horizon has begun now, since your past investment time horizon is not disclosed. It will also require sip investments of 1.91 lakh monthly to achieve a corpus of 5 crore in 10 years.

Ans: Hi Good to see you are investing for a long time now but too many cooks spoil the party, same way you can exit Birla Frontline hdfc top 100 SBI bluechip funds and same for HSBC and dsp funds and and can add parag parikh flexi cap to your portfolio

Disclaimer me and my funds can have holdings in the suggested portfolio

Ans: Hello Sandeep. It seems you have already well diversified your portfolio. You may reconsider Axis and Mirae AMcC for your portfolio. For your mutual fund investment, you may achieve a corpus of 1 cr approx for 12 years horizon.

Ans: It's impressive to see your proactive approach towards building wealth and securing your financial future. With a well-diversified portfolio and a systematic investment plan in place, you're on the right track to achieve your goal of reaching a corpus of 5 crore by the age of 40.

Your current investment mix demonstrates a balanced approach, encompassing various asset classes like mutual funds, fixed deposits, PPF, gold, and stocks, both domestic and international. Diversification is key to managing risk and maximizing returns over the long term.

Continuing with your SIPs, PPF contributions, and sovereign gold investments will further strengthen your portfolio's foundation. SIPs in equity mutual funds provide exposure to the equity market, offering the potential for higher returns over time. PPF and sovereign gold investments offer stability and act as a hedge against market volatility.

Your strategy of investing in Nifty 50 ETF during market downturns is commendable as it allows you to capitalize on market opportunities and accumulate units at lower prices, potentially enhancing your long-term returns.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.

Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.

Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.



Regularly review your portfolio's performance and rebalance as needed to ensure alignment with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner (CFP) to fine-tune your investment strategy and address any specific concerns or objectives you may have.

Stay disciplined with your savings and investment approach, and continue to monitor market trends and economic indicators. With patience, perseverance, and prudent financial management, you're well-positioned to achieve your target corpus by the age of 40.

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