Dear Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00. Canara Robeco Emerging Equites Fund - Rs. 1000.00. SBI Blue-chip Direct Plan - Rs.1000.00. ICICI Pru. Technology Direct Plan - Rs. 2000.00. Kotak Emerging Equity Fund - Rs. 1000.00. UTI Flexi Cap Fund - Rs. 1000.00. Nippon India Small Cap Fund - Rs.1000.00. Mirae Asset Emerging Bluechip Fund - Rs. 1000.00. Axis Growth Opportunities Fund - Rs. 1000.00. Parag Parikh Flexi Cap Fund - Rs.1000.00. HDFC Index Fund Nifty 50 Plan - Rs 1000.00. DSP Flexi Cap Fund - Rs. 10000.00. Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00. Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.

Ans: Evaluation of Existing SIP Portfolio

Assessment of Current Portfolio:

Your current SIP portfolio comprises a diversified mix of equity funds, including large-cap, mid-cap, small-cap, flexi-cap, and thematic funds. Additionally, you have exposure to an index fund and a one-time investment in an opportunities fund.

Analyzing Fund Selection:

Axis Blue-chip Fund Direct Plan Growth:

Provides exposure to established blue-chip companies with a track record of stable performance.
Canara Robeco Emerging Equities Fund:

Focuses on investing in high-growth potential emerging companies, adding diversification to the portfolio.
SBI Blue-chip Direct Plan:

Offers exposure to large-cap stocks with a history of consistent growth and stable returns.
ICICI Pru. Technology Direct Plan:

Invests in technology-related companies, offering growth opportunities driven by innovation and technological advancements.
Kotak Emerging Equity Fund:

Invests in mid and small-cap companies with the potential for rapid growth, contributing to portfolio diversification.
UTI Flexi Cap Fund:

Provides flexibility to invest across market capitalizations, adapting to changing market conditions.
Nippon India Small Cap Fund:

Focuses on small-cap stocks with high growth potential, suitable for investors with a higher risk appetite.
Mirae Asset Emerging Bluechip Fund:

Invests in emerging companies with strong growth prospects, contributing to portfolio diversification.
Axis Growth Opportunities Fund:

Aims to identify growth opportunities across sectors and market capitalizations, enhancing portfolio returns.
Parag Parikh Flexi Cap Fund:

Offers a balanced approach by investing in Indian and international equities, along with debt securities.
HDFC Index Fund Nifty 50 Plan:

Provides exposure to the top 50 companies listed on the NSE, offering stability and diversification.
DSP Flexi Cap Fund:

Offers flexibility to invest across market caps and sectors, capitalizing on emerging opportunities.
Franklin India Opportunities Fund:

Represents a one-time investment in an opportunities fund, which aims to capitalize on market inefficiencies.
Recommendations:

Review Fund Performance:

Evaluate the performance of each fund in your portfolio based on historical returns, risk-adjusted metrics, and consistency.
Assess Diversification:

Ensure adequate diversification across fund categories, sectors, and market capitalizations to mitigate risk.
Monitor Expense Ratios:

Keep an eye on expense ratios of funds to ensure they are reasonable and not eroding your returns over time.
Consider Rebalancing:

Periodically review your portfolio and consider rebalancing if any fund's allocation deviates significantly from your original asset allocation.
Projected Corpus after 20 Years:

The corpus generated after 20 years would depend on various factors, including the performance of individual funds, market conditions, and economic factors.
While it's challenging to predict exact returns, a well-diversified portfolio with exposure to equity funds can potentially generate attractive returns over the long term.
Conclusion:

Your current SIP portfolio appears well-structured, with diversification across fund categories and investment styles. However, regular monitoring and periodic reviews are essential to ensure alignment with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in