Hi, my target is 2.5 cr. I am 49 year old & investing since sep-18. I am investing 30K per month. Is my investment is ok as per my target or need to change. I am investing in Hdfc small cap direct fund- 5000 SBI small cap direct fund - 10000 Quant small cap direct- 5000 Kotak multicap direct fund -5000 Current value of my portfolio is 30L. Pl suggest further as my horizen is 10-12 years

Ans: Hello Vinit. Your selected portfolio is well diversified and looks good. If you wish to build corpus of 1 Cr in next 7years, I would suggest to add-on with your current sip investments to 75 k to achieve your goal or you can add on some funds annually to reach to sip investments of 75 k. Also, I would recommend to add flexicap categories in your portfolio.

Ans: Current Financial Position
Your portfolio includes:

Rs. 30 lakhs in Mutual Funds
Rs. 5 lakhs in NPS
Rs. 5 lakhs in PPF
Rs. 10 lakhs in stocks
Rs. 15 lakhs in PF
Rs. 8 lakhs in FD
Rs. 1.5 crore term plan
Monthly and Annual Investments
Rs. 62k in Mutual Funds monthly
Rs. 50k in NPS annually
Rs. 1 lakh in physical gold annually
Current Allocation
60% in large cap
25% in mid cap
15% in small cap
Goals
Retirement at 55
Child's education and marriage
Bi-annual vacations
Potential car and house purchase
Financial Goals and Target Amounts
Retirement Corpus:

Assuming post-retirement monthly expense of Rs. 1.5 lakhs (including vacations)
Estimated target: Rs. 5 crores
Child's Education and Marriage:

Education: Rs. 50 lakhs (in 17 years)
Marriage: Rs. 50 lakhs (in 25 years)
Evaluation of Current Strategy
You have a quite diversified portfolio and you are investing a considerable amount in Mutual Funds. Your allocation between large cap, mid cap and small cap funds is balanced.

Recommendations
Increase Investment in NPS:

As you consider that, ramp up your NPS investment. It has tax benefits and you'll be able to build a corpus for your retirement.
Mutual Fund Portfolio Review:

Get a view on the performance of your mutual funds periodically. Realign your funds in case of underperformance but avoid frequent changes as this will attract capital gains tax.
Emergency Fund:

Make sure you have an emergency fund. It should be six months of your expenses in a liquid fund or savings bank account.
Education and Marriage Fund:

Start an separate investment plan for the education and marriage of your child. Equity mutual funds can be considered for the long term.
Vacation Planning:

Set aside a certain amount for the vacations. You may use a recurring deposit or a short-term debt fund.
Car and House Purchase:

Prioritize your goals. If buying a car or house is important, plan accordingly. Do consider if the goals are aligning with your retirement and education plans.
Gold Investment:

Continue investing in gold, but do not go beyond 10-15% of your portfolio.
Regular Reviews:

Review your financial plan once a year. Bring adjustments in line with changes in the market and changes in life.
Professional Guidance:

Have a custom-made strategy by consulting a Certified Financial Planner.

Closing Remarks
You are on a very sound financial path. If you stick to this, then with discipline, you can achieve all your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in