Good morning Sir, I am Shivani, 29 years old. I want to invest through SIP of 5000/- each in Motilal Oswal large and mid cap fund, PP flexi cap fund, HDFC mid cap and ICICI india opportunity fund for next 10 years. Kindly advise me whether these funds are OK for me. I can take medium risk. or you can suggest some better funds.

Ans: Good morning Shivani. Thanks for sharing your investment intent and time-horizon. It’s good to see you planning a 10-year SIP of ?5,000 each in selected funds.

Here’s my view (as your adviser) of your proposed funds + some thoughts on adjustments, given your “medium risk” profile and 10-year horizon.

What’s good about your plan

A 10-year horizon means you can tolerate market ups and downs, which is a plus.

Investing via SIP is appropriate for such a horizon: you’ll benefit from rupee-cost averaging and long-term compounding.

Your funds are equity-oriented (large/mid/flexi), so you are positioned for growth over a decade.

???? Review of the specific funds

Motilal Oswal Large & Mid Cap Fund – This falls in the large & mid-cap bucket. These kinds of funds historically have given ~20-25 % CAGR over 5 years in good phases. For example, large & mid cap category shows ~22.73% over 5 years.


Good growth potential.

But being “large & mid” means more variability (mid part can be volatile).

Because of your medium risk profile, you should be comfortable with swings.

Parag Parikh Flexi Cap Fund (you wrote “PP flexi cap”) – Flexi cap funds provide flexibility to invest in large, mid and small caps. For example, this fund delivered ~26% in the last 5 years according to a list of flexi-cap funds.
Value Research Online

Very good long-term potential.

Slightly higher risk (because of mid/small cap exposure).

For a 10-year horizon this is acceptable, but as part of a diversified mix.

HDFC Mid?Cap Opportunities Fund – A mid-cap fund. According to data it has done ~17.7% CAGR since launch, with 2023 being ~44.5% etc.
Fincash

Higher risk compared to large cap or flexi cap (mid-caps tend to have higher ups & downs).

Since you said medium risk, you need to ensure the overall weight of mid-cap exposure isn’t too aggressive.

ICICI India Opportunity Fund – I could not locate detailed recent data in my quick check but it’s presumably a equity opportunity fund (meaning higher growth, higher risk) and likely has significant mid/small cap exposure.

This adds growth potential but also risk.

Some Observations & Recommendations

You are concentrated in equity growth funds (large/mid/flexi). That is fine for a 10-year horizon, but you stated “medium risk”. If “medium risk” means you are okay with moderate volatility but not extremely high swings, then you may want to balance the portfolio a little more.

The mid-cap and opportunity funds may face sharp drawdowns in adverse markets. If that happens, it may test your risk tolerance.

Diversification across categories is important: large cap, multi/flexi cap, mid cap, and maybe including one more stable fund (like a large cap core fund) could help reduce risk.

SIP amount: You plan ?5,000 each in these four funds → that’s ?20,000/month in total. If that is comfortable for you given your income / expenses / other goals, then that’s fine. Ensure it doesn’t stretch your financial buffer, emergency fund, etc.

???? Suggested Adjusted Approach

Given your horizon and risk profile, here’s a suggestion for allocation:

40-50% in a large/mixed large & mid cap fund (good stability + growth)

30% in a flexi-cap fund (for growth + diversification across sizes)

20-30% in mid-cap/opportunity funds (growth but higher volatility)

Optionally: consider 10-15% in a lower-volatility equity fund (large cap only) or even a hybrid fund (if you want to reduce risk slightly).

So using your ?20,000/month example:

Large + mid cap: ~?8,000-10,000/month

Flexi cap: ~?6,000/month

Mid cap/opportunity: ~?4,000-6,000/month

(Optional) Lower volatility fund/hybrid: ~?2,000-3,000/month

If you prefer sticking to 4 funds only, then you might use the four you named but adjust weights: maybe assign smaller SIPs for the higher-risk ones (e.g., HDFC Mid-Cap, ICICI Opportunity) and larger for the more stable ones (Motilal Oswal Large & Mid Cap, Parag Parikh Flexi Cap).

Final Verdict

Yes — your selected funds are acceptable for a 10-year horizon and a growth-oriented portfolio. They align with your growth intent. But given you said “medium risk”, I recommend you ensure you are comfortable with potentially large market swings (which mid-cap and opportunity funds bring). Also, ensure your allocation is diversified and not overly concentrated in high-volatility funds.

Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai