I have following Mutual Funds since 2017.

1. Nippon Small Cap: Monthly Amount: Rs. 3000
2. Nippon India Focused: Monthly Amount: Rs. 2500/-
3. ICICI Pru- Value discovery: Amount: Rs. 1000/-
4. Franklin- India Equity: Amount: Rs. 2500/-
5. IDFC-Sterling Value: Amount: Rs. 2500/-

I want to stop these and start some performing one. Hence, I request you to suggest some MF for period of above 5 years.

Fund name	Catgory	Star Rating
Neeraj Gupta
1. Nippon Small Cap: Monthly Amount: Rs. 3000	Equity - Small cap Fund	1
2. Nippon India Focused: Monthly Amount: Rs. 2500/-	Equity - Focused Funds:	2
3. ICICI Pru- Value discovery: Amount: Rs. 1000/-	Equity - Value Funds:	2
4. Franklin- India Equity: Amount: Rs. 2500/-	Equity - Multi Cap Funds:	2
5. IDFC-Sterling Value: Amount: Rs. 2500/-	Equity - Value Funds:	1

Ans: Funds are decent however there are too many funds in your portfolio.

Ans: Please continue

Ans: Your portfolio has a mix of flexi-cap, sectoral, and small-cap funds, which is good for diversification. Considering your age and investment horizon, here are a few suggestions:

Risk Assessment: Ensure you're comfortable with the risk level, especially with the small-cap funds, which can be volatile but offer high growth potential.

Goal Alignment: Make sure each fund aligns with a specific financial goal. For example, flexi-cap for long-term wealth creation, technology fund for growth in the tech sector, and small-cap funds for higher growth potential but with higher risk.

Portfolio Balance: It might be beneficial to review your portfolio's asset allocation periodically. Ensure you're not too heavily skewed towards one asset class, which can expose you to unnecessary risks.

Performance Review: Regularly monitor the performance of your funds. If a fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing alternative.

Emergency Fund: Before investing, ensure you have an emergency fund set aside to cover 3-6 months of living expenses.

Professional Advice: Consider consulting with a financial advisor for personalized advice tailored to your financial situation and goals.

Overall, your portfolio seems diversified and aligned with your long-term goals. Regular monitoring and adjustments will help you stay on track towards achieving your financial objectives.

Ans: Your SIP allocation has a significant tilt towards small and flexi-cap funds, which can be volatile but offer growth potential. Given your age and investment horizon:

Consider diversifying by adding a large-cap or multi-cap fund to balance the portfolio.
Revisit the technology fund's exposure; while it can offer high growth, it can also be volatile.
Ensure your portfolio aligns with your risk tolerance and long-term goals.
Regular reviews with a financial advisor can help adjust your strategy as needed and ensure your portfolio remains well-balanced.