I have started investing in following funds since last 1 year:

Axis Bluechip Fund -- 10000

DSP Blackrock Midcap Fund -- 10000

Parag Parikh Flexicap -- 10000

PGIM India Midcap Opportunities -- 10000

Quant Small Cap Fund -- 10000

BOI AXA Small Cap Fund -- 7000

Edelweiss Mid Cap Fund -- 7000

IIFL Focused Equity Fund -- 7000

Invesco India Contra Fund -- 7000

Mirae Asset Hybrid Equity -- 7000

Can Rebeco Bluechip Equity Fund -- 7000

Union Small Cap -- 7000

UTI Nifty Index Fund -- 7000

ICICI Prudential Technology Fund -- 5000

Birla Sunlife Nifty ETF – 4000

Total: Rs 115000/- pm

All in Direct Growth Fund. I wish to continue the investments till Dec '35 (retirement). I have other investments thru PF, NPS and PPF - Sir How much corpus can I accumulate till my retirement from this portfolio and your suggestions on any changes required. Please reply Sir.

Ans: There sufficient diversification as far as asset allocation is considered.

In mutual funds the schemes are also fine, but too many!

The corpus that will get created by mutual funds in 20 years with monthly Investment of Rs 20000 is Rs 2.6 crore.

Ans: You can accumulate a corpus of 1.25 Cr to 1.5 cr by investing 34k in SIP for 13 years, your portfolio is too diversified but it's ok if you can manage so many funds

Ans: Your portfolio appears to be heavily concentrated in mid-cap and small-cap funds, indicating a high-risk, aggressive approach. Here are some suggestions for consideration:

Diversification: While high-risk investments can offer potential for higher returns, it's crucial to diversify across different asset classes and fund categories to mitigate risk. Consider adding large-cap or multi-cap funds to balance your portfolio.

Review and Rebalance: Regularly review the performance of your funds and rebalance your portfolio if necessary. If any fund underperforms consistently or doesn't align with your investment strategy, consider replacing it with a better-performing alternative.

Risk Management: Understand the risk associated with mid-cap and small-cap funds and ensure that your overall portfolio risk is balanced according to your risk tolerance and investment horizon.

Long-Term Perspective: Stay committed to your investment plan and maintain a long-term perspective. Over a 13-year horizon, equity investments have the potential to deliver significant returns, but there may be periods of market volatility that require patience and discipline.

Regular Contributions: Continue with your SIP contributions regularly, and consider increasing your investment amount over time as your income grows or allocate additional funds towards your investment portfolio.

Seek Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Regarding the potential corpus accumulation in 13 years, it's challenging to provide an exact figure due to the unpredictable nature of the market. However, with a disciplined approach and assuming reasonable market growth, your portfolio has the potential to accumulate a significant corpus over the long term. Regularly monitor your investments and make adjustments as needed to stay on track towards your financial goals.

Ans: Your portfolio consists of a diverse mix of mutual funds across various market segments, including small-cap, mid-cap, large-cap, and flexi-cap funds. However, having such a large number of funds may lead to over-diversification and increase the complexity of managing your portfolio.

Consider consolidating your portfolio by focusing on high-quality funds that align with your investment objectives and risk tolerance. Review the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

As for the corpus accumulation, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Given your retirement goal at age 60, ensure that your investment strategy is aligned with your long-term financial objectives and risk profile. Consider consulting with a financial advisor for personalized guidance tailored to your specific circumstances.