Kindly review my mf portfolio. Investment horizon 10 years or more. Investment per month

Parag parikh Flexi cap Direct 15000

SBI Blueship Diret 8000

SBI Small Cap Direct 4000

Mirae asset emerging Bluship 2000

Mirae asset mid cap direct 4000

Ans: With your substantial savings and clear goals, you're in a good position to craft a comprehensive investment strategy. Let's delve into a tailored approach.

For securing 1 crore INR for your daughter's future, a mix of moderate to low-risk investments could be ideal. Consider diversified mutual funds, fixed deposits, and possibly some portion in government schemes like PPF or Sukanya Samriddhi Yojana for her education fund. These avenues offer stability and reasonable returns over the long term.

To generate a monthly income of 85,000 INR, we need to focus on income-generating assets.Equity funds can indeed play a significant role in your investment strategy, especially for capital growth. Given your preference for equity, let's adjust the allocation accordingly.

For high-risk investments, you might consider allocating a substantial portion to diversified equity funds or sector-specific equity funds. These have the potential for higher returns over the long term but come with higher volatility.

In the medium-risk category, you can continue to diversify with a mix of balanced funds, which invest in a combination of equities and debt instruments. These can offer a balance between growth and stability.

For moderate-risk investments, you could include large-cap equity funds, which invest in well-established companies with stable earnings. Additionally, consider mid-cap and small-cap equity funds for potential higher returns, albeit with higher risk.

Remember, while equity funds offer growth potential, they also carry market risk. It's crucial to maintain a diversified portfolio across asset classes to mitigate risk.

Consulting with a Certified Financial Planner can help fine-tune your allocation and select the right equity funds based on your risk tolerance and investment horizon. By incorporating equity funds alongside other investment vehicles, you can pursue both capital growth and income generation effectively.

Ans: It's clear you've put a lot of thought into your investments, and that's commendable. Diversifying across various funds and products shows a savvy approach to wealth management. But let's reflect: Are these choices aligned with your long-term financial goals? Are you considering the potential risks and rewards of each investment?

Your mix seems to prioritize mutual funds, ULIPs, and NPS, which can offer growth potential, but have you factored in liquidity needs and risk tolerance? While NPS and ULIPs offer tax benefits, they come with lock-in periods. Are you comfortable with that?

Additionally, relying solely on LIC for retirement may limit your options. It's wise to explore alternatives that offer flexibility and potentially higher returns.

Consider seeking guidance from a Certified Financial Planner to ensure your portfolio matches your aspirations and risk appetite. Remember, investing is a journey, not a destination. It's about finding balance, adapting to changes, and staying focused on your financial well-being.

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Ans: if your vision of the fund is 20yrs plus then its a good idea, hope you invest surplus amount?

Ans: Hey David, sounds like you've got some exciting dreams brewing there! Stepping away from the corporate hustle to pursue your passion for travel and photography sounds like the plot of a blockbuster movie—except this one's starring you!

First off, kudos to you for recognizing what truly sets your soul on fire. It takes guts to break away from the status quo and chase your dreams. So, let's plot out your roadmap to entrepreneurial bliss:

1. Craft Your Vision:

Picture yourself as the captain of your own travel ship. What kind of experiences do you want to offer? Adventure tours, cultural immersions, photography workshops? Get crystal clear on your vision and what sets your travel agency apart.

2. Do Your Homework:

Dive headfirst into the world of travel entrepreneurship. Research market trends, identify your target audience, and study successful travel startups. Learn the ropes of running a business, from budgeting to marketing strategies.

3. Build Your Brand:

Give your travel agency a personality that reflects your passion for exploration and storytelling. Design a killer logo, create a captivating website, and brew up some irresistible travel packages that make wanderlusters weak at the knees.

4. Network Like a Boss:

Forge connections with fellow adventurers, photographers, and travel influencers. Attend industry events, join online communities, and don't be shy about sharing your journey and expertise. Who knows? Your next collaborator or client might be just a handshake away.

5. Secure Your Finances:

Your savings will be your launchpad, but you'll need to crunch the numbers and create a solid financial plan. Factor in startup costs, operational expenses, and a buffer for those inevitable rainy days. And hey, consider seeking advice from a financial advisor to ensure you're on the right track to that early retirement goal.

6. Take the Leap:

When the time feels right and your plans are polished to perfection, it's time to take that leap of faith. Embrace the uncertainty, trust in your vision, and dive into the exhilarating world of entrepreneurship with all the gusto of a seasoned explorer.

Remember, Rome wasn't built in a day, and neither will your travel empire be. Stay patient, stay persistent, and most importantly, stay true to yourself and your passion for travel and storytelling. The world is waiting for your adventures—so go on, David, and write your own epic tale!

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Ans: Hello. Thank you for your query. I would suggest you to visit Physiotherapist close by to you to determine exact reason and suggest possible treatment options.