I am investing in below mentioned MF monthly for the past 2.5 years.

1. Kotak Emerging Equity Fund(G)- 7500/-
   2. Mirae Asset Emerging Bluechip fund(G)-2500/-
   3. Canara Robeco Emerging Equities (G)-5000/-
   4. Aditya Birla Flexi Cap fund (G)-5000/-
   5. Parag Parikh Flexi Cap fund (G)-5000/-
   
   Kindly suggest whether these funds are good or I need to diversify. I wanted an amount of around 2-3 cr before retirement. Currently my age is 39 years.

Ans: Please continue

Ans:

Equity - Small Cap Fund & Debt - Credit Risk Fund are high-risk categories.

Hybrid - Balanced Advantage are under:

1. ICICI Prudential Balanced Advantage Fund - Growth
2. Nippon India Balanced Advantage Fund - Growth

Ans: Hello, as per the fund mentioned i see that you are super diversified which is not needed
You can select the following asset allocation :
30% small cap
30% mid cap
20% multicap
10% thematic fund / momentum fund
10% value fund

And yes with 25K a month you can get to your goal of 2crs by the age of 55yrs

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Ans: It's great that you're investing in mutual funds for your future financial goals! Let's review your current mutual fund portfolio and make some suggestions:

SBI Small Cap, SBI Focused Equity, and SBI Blue Chip Fund:
SBI Funds are reputable and have a track record of performance. However, it's essential to review their performance periodically to ensure they continue to meet your investment objectives.
Nippon India Small Cap and Quant Small Cap Fund:
Small-cap funds can offer high growth potential but also come with higher risk. Ensure you have a long-term investment horizon and the risk tolerance to withstand market volatility.
Parag Parikh Flexi Cap:
Flexi-cap funds provide flexibility to invest across market caps. Parag Parikh Flexi Cap Fund is known for its diversified portfolio and focus on quality stocks. It's a good choice for long-term wealth creation.
Suggestions:

Review Performance: Periodically review the performance of your mutual funds to ensure they align with your investment goals and risk tolerance.
Diversification: Consider diversifying your portfolio further by adding funds from different fund houses or investing in different asset classes like debt or international funds.
Regular Monitoring: Keep an eye on the performance of your funds and make adjustments as needed. If any fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing alternative.
Consult a Financial Advisor: Consider consulting a Certified Financial Planner for personalized advice tailored to your financial goals, risk tolerance, and investment horizon. A professional can help optimize your portfolio and ensure it remains aligned with your objectives.
Overall, your mutual fund portfolio seems well-diversified, but it's essential to monitor its performance regularly and make adjustments as needed to stay on track towards your long-term financial goals. Keep up the good work and continue investing systematically for your future!

Ans: Hello Rohan & thanks for writing to me. The funds you have chosen are good funds & you can continue to invest in them.