I'm 35 years old, i started my investment journey in 2022, currently investing 25,000/- p.m, would like to add another 25,000/- p.m of SIP. Would like to build a corpus of 3-4 crore for my retirement and child's education 15-20 years from now.

Current SIP investments:

1. Parag Parikh flexi cap- 5,000

2. Navi nifty index -5,000

3. ICICI sensex index fund 5,000

4. UTI FLEXI Cap 10,000

Please suggest funds to achieve 3-4 crore corpus.

Ans: Please go with:

• HDFC Index Fund - Sensex Plan - Regular Plan - Growth
• Samco Flexi Cap Fund - Regular Plan - Growth
• UTI MNC Fund - Growth Plan
• Parag Parikh Flexi Cap Fund- Regular Plan Growth

Rs 1,50,000 per month can create a corpus of Rs. 4 crs in 10 years.    

Ans: Rs. 30000 monthly invest will create a corpus of Rs. 3.9 crs in 20 years

Continue with 8, 9, 10, 12, 13 and 14

Ans: No change required

Ans: Hello, assuming your shares grow by 12% cagr, the value of those will be Rs.5.47crs approx
You will need to start investing in SIP's an amount of Rs.50000 for the next 15 years to reach your target of 8crs

Ans: You've built a diversified portfolio with a mix of large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds, which is a good start towards your ambitious goal. Here are some considerations and recommendations:

Asset Allocation: Given your goal and age, you might want to tilt your portfolio towards more equity-oriented funds. While equities carry higher risk, they also offer potential for higher returns over the long term.
Review & Rebalance: Periodically review your portfolio to ensure it aligns with your goals and risk tolerance. Rebalance if necessary to maintain your desired asset allocation.
Increase SIP Amounts: With a target corpus of 3 crores in 18 years, you might need to consider increasing your SIP amounts annually to account for inflation and potentially higher returns.
Diversification: Ensure you're not overly concentrated in a single asset class or sector. Diversification across asset classes and market caps can help spread the risk.
Consult a Financial Advisor: Given the complexity of financial planning, it might be beneficial to consult a financial advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance.
Remember, investing is a journey, not a destination. Consistency, discipline, and periodic reviews are key to achieving your financial goals.