My name is Santosh Roy 47years I'm investing in following MFs. 1. Axis Bluechip Fund -- Rs 1,000/month 2. ICICI prudential focused Bluechip fund-Rs.1000/month 3. Kotak Small Cap Fund -- Rs 2,000/month 4. Mirae Asset Largecap Fund -- Rs 1000/month 5.Nippon India Small Cap Fund -- Rs 2500/month 6.Kotak Flexi Cap Fund -- Rs 4000/month. 7. Quant active fund- Rs.2000/month 8. UTI Nifty 50 index fund- Rs.2000/month 9. Canara robeco flexi cap fund - Rs.2000/month My investment horizon is 15 years, moderately high risk appetite with focus on maximum corpus build. Kindly advise if my portfolio needs any change? Thanks.

Ans: Too many funds; please continue with 1, 3, 4, 5 and 11.

Keep the lumpsums invested.

Ans: Hi Jaskaran. Your current investment portfolio shows that 80% of your investments are in one AMC i.e. HDFC. Hence, I would suggest that AMC-wise diversification is required in your portfolio. In addition, I recommend you to add large & mid , and small cap categories in your future investments with proper allocations.

Ans: Hi Anuj, thanks for writing to me.

The schemes you invest in are good schemes and you can continue investing in them. Your annual step up will help you create a larger corpus.

Ans: Hi Value Investor. It appears that your portfolio has a sound report. It would be advisable to reconsider the Axis AMC with better peer schemes except Axis Smallcap fund.

Ans: You've built a diversified mutual fund portfolio with a focus on different market caps and investment styles, which is commendable. Given your investment horizon of 15 years and a moderately high-risk appetite aiming for maximum corpus build, let's evaluate your portfolio.

Portfolio Overview:

Focused Equity Funds:
Axis Focused 25 Fund: Concentrates on a limited number of stocks.
Axis Long Term Equity Fund: Focuses on tax-saving with a lock-in period.
Small & Mid Cap Funds:
Axis Small Cap Fund, Mirae Asset Emerging Bluechip Fund, Mirae Asset Mid Cap Fund: These funds invest in smaller to mid-sized companies with higher growth potential but also higher volatility.
Flexi Cap Fund:
Parag Parikh Flexi Cap Fund: Offers flexibility to invest across market caps, sectors, and themes.
Analysis and Recommendations:

Diversification:
Your portfolio is well-diversified across large-cap, mid-cap, and small-cap segments, which is good for long-term growth.
Concentration Risk:
Having multiple funds managed by the same fund house (Axis and Mirae Asset) can lead to concentration risk. Consider diversifying across fund houses to reduce dependency on a single fund manager's strategy and performance.
Focused Funds:
Both Axis Focused 25 Fund and Axis Long Term Equity Fund focus on a limited number of stocks. While they can offer higher returns, they can also be riskier due to concentration.
Step-Up SIPs:
Your strategy of increasing SIP amounts by 10% annually is excellent for leveraging the power of compounding and adjusting for inflation.
Recommendations:

Consolidation:
Consider consolidating your investments by reducing the number of funds and ensuring each fund adds unique value to your portfolio. This can simplify monitoring and reduce overlap.
Add a Debt Component:
Given your moderately high-risk appetite, consider adding a debt component to balance the portfolio and provide stability during market downturns. A Hybrid Equity Fund or a Dynamic Asset Allocation Fund can be suitable.
Review Tax Implications:
As Axis Long Term Equity Fund is a tax-saving fund (ELSS), ensure you're aware of the lock-in period and its implications on liquidity.
Regular Review with a Certified Financial Planner (CFP):
Given your specific goals and risk appetite, it's crucial to review your portfolio periodically with a CFP. They can provide personalized advice, monitor performance, and suggest necessary adjustments based on changing market conditions and your financial goals.
Conclusion:

Your current portfolio aligns well with your long-term investment horizon and risk appetite. However, consider consolidating and diversifying across fund houses to reduce concentration risk and add a debt component for balance. Regular reviews with a CFP can ensure your portfolio remains aligned with your financial goals and market dynamics. Always remember, a well-diversified portfolio tailored to your risk profile and goals can help you navigate the market's ups and downs, aiming for long-term wealth creation.