Sbi contra fund 600000,,hdfc balance advantej 500000,,hdfc asset allocation fund 200000,,hdfc midcap 200000,,hdfc flexicap 100000,,icici multi asset fund 700000 ,,kotak multi asset alocation 500000 it is ok

Ans: Hello Value Investor. , I can see that 100% of the investments are in HDFC AMC. Hence, will suggest AMC-wise bifurcation. You can reshuffle the current investment or start investing in AMC like ICICI Pru, Nippon India , etc. Risk diversification is also required in your portfolio. Moreover , you can reconsider HDFC Eqity Savings Fund. I would suggest introducing new categories, such as flexi cap and midcap in your portfolio.

Ans: It's wonderful to see your commitment to financial planning. Let's dive into shaping your investment strategy:

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Ans: Hello,
as per the funds mentioned you can change the bluechip fund to a mid cap fund if you are looking to invest for 7yrs plus

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Ans: Hello, I prefer to take some exposure in thematic funds after a person has created enough capital in basic funds like mid cap , small cap , multi cap , etc as these funds are bottom up approach whereas thematic funds are top to bottom approach. Hence themes should only be 10-15% of your portfolio and should be reviewed or watched closely.
If you intend to do an sip of 10K , you should add 3k in mid cap , 3k in small cap , 2k in multi cap and 2k in defence fund.

Let me know your thoughts on the same
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Ans: Your fund selection shows a well-diversified approach across flexi-cap, mid-cap, small-cap, and balanced categories. However, consider reducing exposure to international funds due to currency and market-specific risks. Consulting a Certified Financial Planner like us can help tailor these allocations to your specific goals, risk profile, and investment horizon for optimal returns and balance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment