Hi Nikunj, Im turning 35 by this year end and investing in SIP's since last 2 years. I had to sell most of the SIP's last year to purchase a vehicle. now Im investing below. I want to build up minimum 50 lakhs for my child's higher education by 2035. Quant tax plan- 3000/month (4 months old) Kotak tax plan-2000/month (4 month old) Mirae asset tax saver fund- 1000/month(27 month old) Parag Parikh tax saver fund- 2000/ month( 1 month old) Mirae asset tax saver fund- 1500/month(1month old)

I am a regular reader of your blog and appreciate the same. I am 37 years old. I have an investment goal of Rs.50L when I reach 50 years. My monthly SIP is Rs. 22500. Please advise. My current portfolio is as under: Scheme Type Invested SIP Aditya Birla Sun Life Tax Relief 96 - Reg - G Tax 107,000 Stopped HDFC Tax saver Tax 105,000 Stopped Nippon India Tax Saver ELSS Tax 213,026 Stopped Franklin India Tax Shield Tax 90,000 Stopped Mirae Asset Tax Saver Fund G Tax 10,000 2,500 Canara Robeco Equity Tax Saver Tax 10,000 2,500 Quant Tax Plan Tax 10,000 2,500 Axis Bluechip fund Equity 40,498 5,000 Aditya Birla Sun Life Mfg Equity Fund Equity 156,000 2,000 HDFC Gold Trader Fund Growth - Direct Equity 30,000 2,000 Motilal Oswal NASDAQ 100 ETF ETF 17,000 1,000 Mirae Asset Emerging Bluechip Fund - Growth Equity 16,014 1,000 IIFL Focused Equity Fund - Growth Equity 14,000 1,000 Canara Robeco Emerging Eqities Equity 14,000 1,000 Parag Parikh Flexi Cap Fund Equity 3,000 1,000 ICICI Prudential Technology Fund - Growth Equity 14,000 1,000

I am 41 years old and work in a private sector company. I will retire at the age of 58 years. I have been making SIP investments as listed below. My object is long term fund accumulation. In my family I have parents, my wife and two kids (12 and 6 years). Please guide for any further addition in SIPs upto Rs 8K to Rs 10K. Also advise if I should stop any of the SIPs. Mutual Fund - Through monthly SIP SIP Per Month Number of yeas invested 1. SBI Small Cap Fund Regular Growth Rs 2,500 2 2. SBI Focused Equity Fund Direct Growth Rs 1,500 2 3. NIPPON INDIA VALUE FUND -- GROWTH PLAN  Rs 2,000 7 4. NIPPON INDIA LARGE CAP FUND -- GROWTH PLAN  Rs 2,250 4 5. ICICI Prudential Value Discovery Fund -- Growth Rs 2,000 2 6. HDFC Top 100 Fund -- Growth Rs 2,500 9 7. HDFC TaxSaver -- Growth Rs 2,000 9 8. HDFC Mid-Cap Opportunities Fund -- Growth Rs 1,500 5 9. HDFC Flexi Cap Fund Growth (Erstwhile HDFC Equity Fund) Rs 2,000 6 10. Franklin India Smaller Companies Fund -- Growth Rs 2,000 4 11. DSP Mid Cap Fund, Reg -- G Rs 2,000 5 12. DSP Focus Fund, Reg -- G Rs 2,000 2 13. DSP Equity Opportunities, Reg -- G Rs 2,000 2 14. Aditya Birla Sun Life Tax Relief '96 Fund (ELSS U/S 80C of IT ACT) -- Growth, Regular Plan Rs 2,000 4 15. Aditya Birla Sun Life Frontline Equity Fund -- Growth, Regular Plan Rs 2,000 1 16. Aditya Birla Sun Life Equity Advantage Fund - Growth, Regular Plan Rs 2,000 4 I have also made one time investment in the funds listed below. Please guide for any switching. I also want to invest an additional Rs 80K to Rs 1 lakh. Please guide. Mutual Fund One Time investment Investment HDFC Low Duration Fund -- Growth Rs 50,245 HDFC Mid-Cap Opportunities Fund - Direct Plan -- Growth Option Rs 22,500 HDFC Small Cap Fund -- Regular Plan, Growth Rs 25,000 HDFC Housing Opportunities Fund -- Direct Plan, Growth Option Rs 20,000 Aditya Birla Sun Life Resurgent India Fund Series 6 -- Direct, Growth Rs 20,000 Aditya Birla Sun Life Low Duration Fund -- Regular Plan, Growth (formerly known as Aditya Birla Sun Life Cash Manager) Rs 79,578 Aditya Birla Sun Life Frontline Equity Fund -- Direct Plan, Growth Rs 44,000 ICICI Prudential Bluechip Fund -- Growth Rs 25,000 ICICI Prudential Value Fund Series 19 -- Direct Plan, Cumulative Rs 20,000 L&T Midcap Fund -- Growth Rs 25,000 SBI Focused Equity Fund Regular -- Growth Rs 25,000

Age 45. Currently I am investing 25k in SIP.I can take my SIP upto 50k per month. My goal is 2cr in next 13 years. PFB my current SIPs: Tata Digital India Fund Direct Growth -- 3000 Parag Parekh Conservative Hybrid Fund Direct Growth -- 2000 Aditya Birla Sun Life Tax Relief 96 Direct Growth -- 3000 Mirae Asset Emerging Bluechip Fund Direct Growth -- 2000 DSP Tax Saver Direct Plan Growth -- 5000 IIFL Focussed Equity Fund Direct Growth -- 5000 Parag Parekh Flexi Cap Fund Direct Growth -- 5000

Hi. I am 39 with a monthly income of 1 lakhs. I have recently started SIP as follows, 5000 in UTI Nifty 50, 5000 in Quant mid cap fund direct growth, 5000 in Quant small cap fund direct, 5000 in Quant flexi cap fund direct. I have 2 kids. Son 9 years old and daughter 4 years old. I am also continuing SSY plan for my daughter with annual payment of Rs 100000. I want to use these investments for my children higher studies, marriage and my retirement plan at 55 years with 3 lakhs per month. Am I going in correct way or what should I do mainly for retirement income of 3 lakhs per month? Kindly suggest me.