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 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)

Hello sir i am 32 years old and currently investing via SIP mode. From last 3 years i am investing 2200 in motilal Oswal S&P 500 index fund, 2500 in navi nifty 50 (i have stopped this sip and instead started 2500 in parag flexi cab as navi 50 was overlapping by 70% in parag), 2500 in quant small cap, 2000 in axis small cap, just started daily sip of 50 rs in icici muti cap fund. I am also thinking of investing 2k more in quant flexi cap. Kindly suggest any modifications or your thoughts about this portfolio for atleast my attaining 55 years.

Hi Sir/Ma'am, I am 25 yrs old and my take home monthly is approx 1.2 lacs working in IT. Currently I am investing in PPF since 2020. Used to invest around Rs. 1000/- pm but slowly increased my investment to 12,500 from last month onwards and looking to continue the same. Since beginning of this year, I have started to invest in mutual funds with a monthly SIP of 15,000. I invest in a mix of small, mid and large cap funds. Does it makes sense to consider investing in ELSS tax saver funds? Do they generally give good returns as compared to SML cap funds? I am looking to step up my SIP by 10% every year. My goal is to attain financial freedom in the next ten years with more 1cr. as a corpus. I also have a LIC jeevan anand policy and I invest around 1,250/- every month which will mature in next 10 years. In order to achieve my financial goal fast, should I increase my monthly SIP to maybe 30k by decreasing the amount invested in other schemes? I know that SIPs generally comes with a better return but with a high risk. Is there any other scheme that I should opt for which gives higher return? Please suggest how to go about it based on my current income and living expenses. I also have some liabilities after investments such as: Personal loan: 45k Consumer loans: around 10k House expenses: 20k My current investment portfolio so far: SIP: 40K (Recently started as mentioned) PPF: 2.2 lacs EPF: 1.8 lacs LIC: 1 lac Thank you!