I am a regular reader of your blog and like the same. I am a 39 year single working female and this is my third email to you. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw / use lump sum investments for home buying. Kindly advise.

SIPs I plan to continue for the long term.

My lump sum investments are as follows:

Sr. no.	Date	MF name	Amount
1	20-11-2019	UTI Mastershare Unit Scheme-Regular Growth	200000
2	22-11-2019	UTI Liquid Cash Plan - Regular Plan - Growth	300000
	09-11-2020	Withdraw UTI Liquid Cash Plan - Regular Plan - Growth	250000
3	11-11-2020	UTI Liquid Cash Plan - Regular Plan - Growth	200000
4	01-01-2020	Axis Retirement Savings Fund - Dynamic Plan , Regular growth	30000
5	01-01-2020	Axis Retirement Savings Fund - Aggressive Plan , Regular growth	40000
6	01-01-2020	Axis Retirement Savings Fund - Conservative Plan , Regular growth	30000
7	23-07-2021	UTI Ultra Short Term Fund - Regular Growth Plan	40000
8	23-07-2021	UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Regular Growth	30000
9	23-07-2021	UTI Mastershare Unit Scheme - Regular Growth Plan	30000
10	28-07-2021	UTI Ultra Short Term Fund - Regular Growth Plan	50000
11	04-08-2021	UTI Focused Equity Fund - Regular Growth Plan	30000
12	02-09-2021	UTI Liquid Cash Plan - Regular Plan - Growth	120000
13	01-10-2021	HDFC Developed World Indexes Fund of Fund	25000
14	01-10-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	25000
15	04-10-2021	SBI Focused Equity Fund (Regular growth )	25000
16	04-10-2021	DSP Flexi Cap Fund	25000
17	01-11-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	25000
18	01-11-2021	ICICI Prudential Multi-Asset Fund - Growth	25000
19	01-11-2021	HDFC Large and Mid Cap Fund - Regular Plan - Growth (Erstwhile HDFC Growth Opportunities Fund)	25000
20	01-11-2021	DSP Mid Cap Fund - Regular Plan - Growth	25000
21	01-12-2021	HDFC Multi Cap Fund Regular Growth	20000
22	01-12-2021	Axis Multicap Fund Regular Growth	20000
23	3.01.2022	HDFC Multi Cap Fund Regular Growth(HMCRG)	50000

TOTAL MF

1140000

My SIP Portfolio is as below:

Sr. no.	Start Date	MF name	Amount
1	22-11-2019	ULIP	3000
2	22-11-2019	UTI Mastershare / UTI	4000
3	22-11-2019	UTI Equity fund / UTI	4000
4	22-11-2019	UTI MNC Fund / UTI	5000
5	25-11-2019	Aditya Birla Sunlife Focus / HDF	3000
6	25-11-2019	Aditya Birla Sunlife India / HDF	3000
7	26-11-2019	Axis Bluechip / UTI	2000
8	26-11-2019	Axis Multicap Fund / UTI	2000
9	19-12-2019	HDFC Equity Fund	1000
10	20-12-2019	HDFC Top Fund	1000
11	13-01-2020	UTI Flexi Cap Fund(UTI Equity fund)Regular growth plan	2000
12	13-01-2020	UTI Value Opportunities Fund - Regular fund	2000
13	10-01-2020	ICICI Prudential Bluechip Fund	1000
14	10-01-2020	ICICI Prudential Multicap Fund	1000
15	13-01-2020	ABSL India Gen Next Fund	1000
16	13-01-2020	ABSL Equity Fund	1000
		Total	36000