Hi Sir, I have been investing in the following mututal funds since 4 years in the form of SIP. my investment horizon is 15 years. 1) PGIM Ind Midcap Opp Dir-IDCW : 2500 2) Nippon Ind Small Cap Dir-IDCW : 2000 3) SBI Small Cap Dir-G : 1500 4) Axis Small Cap Dir-IDCW : 2500 5) Nippon Ind Multi Cap Dir-IDCW : 3000 6) Quant Infra Reg-IDCW : 2000 7) Axis Midcap Dir-IDCW : 2000 8) Parag Parikh Flexi Cap Dir-G : 2000 9) Quant Multi Asset Reg-IDCW : 3000 10) Mirae Asset Emrgng Bluechip Reg-IDCW : 2500 Can you please help me out on below queries .... 1) Exit/Continue in above mututal funds? 2) How much amount will be generated after 15 years? 3) Willing to invest 5000 more, please suggest mututal funds Thanks

Ans: For you to get to 2crs in 7yrs, assuming 12% xirr, your sip amount needs to be Rs1.5L
Generally i avoid flexi cap funds, instead you can go for the following categories for your sip:
Small cap
Mid cap
Large and mid
Thematic - Consumption
Multicap
Focused

For Lumpsum you can select the same funds where you are having your sip's and the STP can be 15-20 weeks starting today.

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: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

Ans: Given your investment horizon of 3-5 years, your current fund selection appears to be diversified, covering large-cap, flexi-cap, and blue-chip equity segments. Here are some considerations:

HDFC Index Fund Nifty 50 Plan Direct: As an index fund tracking the Nifty 50, it provides exposure to the top 50 companies in the Indian market. Since it's a passive fund, ensure you're comfortable with the index's performance and outlook.

PGIM India Flexicap Fund Direct: This flexi-cap fund offers flexibility to invest across market capitalizations based on market conditions. Flexi-cap funds can adapt to different market cycles, potentially offering better risk-adjusted returns.

Canara Robecco Bluechip Equity Fund: Blue-chip funds typically invest in well-established, large-cap companies with a history of stable performance. They can provide stability to your portfolio.

Review the performance of each fund, their investment strategy, expense ratios, and the current market outlook. If you're considering adding a small-cap fund for diversification, both Nippon and Quant are reputable options. Evaluate their past performance, investment approach, and risk profile before making a decision. Consider consulting with a financial advisor for personalized advice based on your financial goals and risk tolerance.

Ans: Your investment strategy with SIPs in various mutual funds, LIC, PPF, and NPS is diversified, which is good. To accumulate 70-80 lakhs in 10-12 years, consider increasing SIP amounts annually to align with your goal and ensure you're investing in line with your risk tolerance. Review and rebalance your portfolio periodically for optimal returns.