Sir i have Parag Parikh Flexicap, Sbi Mid cap & Axis Small cap fund each with 5k total 15k per month sip for 25 year's and 10 percent step up every year I want 10 crores for my retirement, is this portfolio Good..? I am 33 year's old ????

Ans: At 33, you're in a great position to plan for your retirement with a long-term perspective. The funds you've chosen offer a diversified mix across different market caps, which is a good start. But let's ponder a few questions together.

Firstly, have you considered the potential volatility that comes with mid-cap and small-cap funds? While they offer higher growth potential, they can be more volatile. Are you comfortable with potential fluctuations in your investment journey?

The step-up in SIPs is a smart move to increase investments over time, but have you accounted for the impact of inflation and its erosion on purchasing power? It's essential to factor this in to ensure your target of 10 crores is adjusted for the future value of money.

Lastly, while 10 crores is a significant amount, is it aligned with your expected expenses during retirement? Have you factored in lifestyle choices, healthcare, and other post-retirement commitments?

Remember, the journey to 10 crores isn't just about the funds you pick but the consistency, discipline, and adaptability in your investment approach. A Certified Financial Planner can help fine-tune your strategy and navigate the challenges ahead.