I have the following SIPs in mutual funds 1) ICICI Pru Value Discovery Fund (Growth) – Rs. 1500, 2) ICICI Pru Infrastructure Fund (Growth) – Rs. 500, 3) Tata Digital India Fund (Growth) – Rs. 500, 4) HDFC Tax Saver Fund (Growth) – Rs. 2000, 5) DSP Flexi Cap Fund (Growth) – Rs. 1500, 6) Kotak Emerging Equity Fund (Growth) – Rs. 1500, 7) Nippon India Multi Cap Fund (Growth) – Rs. 1000, 8) Nippon India Small Cap Fund (Growth) – Rs. 2000. Please let me know seeing the above funds, what corpus can it build in 10 years time.

Ans: Hello Dipak. In response to your concern, I would like to first address one of your SIPs of HDFC top 100 fund growth that can be changed to mid-cap funds. This is because it may not perform as per market in the long run.

According to past performance, you may expect a corpus of Rs 20-25 Lakh based on 14% CAGR.

Ans: 22 lakh can grow up to 70 to 80 lakh in 10 years.

A SIP of Rs. 26 k can create a corpus of Rs. 70 lakh in 10 years

Therefore, total corpus that can get created is Rs. 1.4 to Rs. 1.5 cr

Ans: Your initiative to start SIPs and invest ?65,000 monthly is commendable. At 7-10 years, achieving a corpus of ?1 crore is a realistic goal. Let's review your current funds and see if any adjustments are needed.

Current Fund Analysis

Nippon Small Cap and Quant Small Cap

Small cap funds offer high growth potential but are volatile. Holding two small cap funds increases risk. Diversifying to other categories can balance this risk.

Quant Mid Cap

Mid cap funds balance growth and stability. They are less volatile than small cap funds. This fund adds valuable diversity to your portfolio.

Edelweiss Balanced Fund

Balanced funds, also known as hybrid funds, invest in equity and debt. They provide stability and moderate growth. This is a good choice for risk management.

Canara Robeco Bluechip Fund

Large cap funds invest in well-established companies. They offer stability and steady returns. This fund adds a layer of safety to your portfolio.

HDFC Nifty 50

Nifty 50 index funds track the performance of the Nifty 50 index. However, actively managed funds often outperform index funds. Consider switching to an actively managed large cap fund.

Parag Parikh Flexi Cap Fund

Flexi cap funds invest across market capitalizations. They provide flexibility and diversification. This is a strong choice for a long-term portfolio.

Diversification and Risk Management

Diversification is crucial to managing risk. Your portfolio should balance growth and stability. Small cap funds should not dominate your portfolio. Consider reducing exposure to small caps.

Advantages of Actively Managed Funds

Actively managed funds adjust to market conditions. Fund managers seek opportunities for higher returns. This can outperform passive index funds like HDFC Nifty 50.

Regular Review and Adjustment

Regular reviews ensure your investments align with goals. Adjustments may be necessary as market conditions change. Consulting a Certified Financial Planner can provide personalized advice.

Investment Strategy for Corpus Growth

Reduce Small Cap Exposure

Keep only one small cap fund.
Diversify remaining investment into other categories.
Increase Large Cap and Balanced Fund Allocation

Allocate more to large cap and balanced funds.
These funds provide stability and steady growth.
Consider Multi Cap Funds

Multi cap funds invest in large, mid, and small caps.
They offer balanced growth and risk management.
Switch from Index Fund to Actively Managed Fund

Consider an actively managed large cap fund.
These funds aim to outperform the market index.
Empathy and Understanding

Your dedication to securing your financial future is admirable. Balancing growth and stability in your portfolio shows wisdom. Your goal of ?1 crore is achievable with the right strategy.

Conclusion

Your current mutual fund investments are strong. However, reducing small cap exposure and adding more large cap and balanced funds can enhance stability and growth. Regularly review and adjust your portfolio. Consulting with a Certified Financial Planner can provide tailored advice. Your commitment to investing wisely will ensure you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: I cannot suggest with this limited information. I need to know the tenure, current investment values, goals, risk profile to evaluate your situation and recommend.