I have been investing in the below mentioned MF SIP schemes my goal is to have 1CR by the time i am 50 yrs my doubts are: 

1. Is the below MF enough or is it too much? If i have to close some funds which ones to close? 

2. I have a housing loan of 65 lakh can i use the MF investment to clear the same?

My MFs are as below: 

HOLDINGS AS ON 1st November 2022

Scheme Name	Invested Value	Current Value	Returns	XIRR
HDFC Retirement Savings Fund Equity Plan Direct Growth	14999.24	16559.71	1560.477307	16.43%
UTI Long Term Equity Fund Direct Growth	19498.88	20326.63	827.7535724	7.16%
Parag Parikh Flexi Cap Fund Direct Growth	14999.2	15473.93	474.7245131	4.92%
Motilal Oswal Asset Allocation Passive FoF Aggressive Direct Growth	999.95	1052.04	52.0888116	4.48%
IDFC Tax Advantage (ELSS) Direct Plan Growth	13999.37	15039.63	1040.257178	12.98%
Kotak Bluechip Fund Direct Growth	19499.65	20814.18	1314.536521	11.31%
Canara Robeco Equity Tax Saver Direct Growth	13999.17	14879.03	879.8574	10.95%
Kotak Tax Saver Fund Direct Growth	27998.71	30544.75	2546.042107	15.29%
Aditya Birla Sun Life Corporate Bond Fund Direct Growth	32498.55	33342.47	843.9236482	4.44%
Mirae Asset Tax Saver Fund Direct Growth	29998.51	31241.27	1242.76146	6.81%
Canara Robeco Equity Hybrid Fund Direct Growth	13998.83	14727.89	729.06493	9.12%
Kotak Multicap Fund Direct Growth	12999.35	14462.41	1463.060518	19.21%
SBI Balanced Advantage Fund Direct Growth	20999.01	22217.09	1218.079844	9.96%
UTI Flexi Cap Fund Direct Growth	32498.81	32324.14	-174.6719205	-0.87%
SBI Multi Asset Allocation Fund Direct Growth	27998.57	29453.48	1454.907578	9.19%
Aditya Birla Sun Life Nifty SDL Plus PSU Bond Sep 2026 60:40 Index Fund Direct Growth	11999.4	12200.07	200.666444	3.01%

Ans: Hello Lomina,

First and foremost, thank you for getting in touch with us. I am happy to hear that your brother is currently pursuing his Bachelor of Pharmacy (B.Pharm) and will graduate next year. To answer your question first, I would like to tell you that based on his interests and professional objectives, there are many career paths that your brother can pursue once he completes his degree. I would recommend that you consider the following:

Your brother can consider working as a pharmacist in retail pharmacies, hospitals, or community pharmacies. Remember that this is the most typical employment route for graduates of B.Pharm. Pharmacists provide medications, advise patients on how to take them safely, and other health-related services. If your brother possesses strong writing abilities, working as a medical writer, crafting content for regulatory bodies, pharmaceutical companies, or healthcare organizations, is one of the other jobs that he could choose from. Documents including clinical trial reports, regulatory filings, and instructional materials are created by medical writers. Your brother may choose to work as a hospital administrator, wherein he would be responsible for controlling pharmaceutical services in healthcare facilities, in turn, guaranteeing effective medication administration, and monitoring drug delivery networks. Another career path for your brother includes taking up a job as a clinical research associate (CRA) or working in other research-related roles in research institutions or pharmaceutical companies. Remember that in order to make sure new medications are safe and effective for use, this entails conducting trials to test them. He can also choose to work in drug safety and pharmacovigilance, checking if the medications sold are safe, looking into unfavorable incidents, and making sure safety rules are followed. Your brother can also take up a job in regulatory affairs, making sure that pharmaceutical items adhere to rules and norms established by regulatory bodies. This entails creating and submitting regulatory paperwork, verifying regulatory compliance, and coordinating with regulatory authorities. Your brother can also choose to work in quality control or quality assurance positions in pharmaceutical companies, making sure that products adhere to regulations and standards of quality. In addition to the above, I would like to let you know that your brother can also pursue further education, viz., a Master's degree (M.Pharm) or a Ph.D. in pharmaceutical sciences or associated disciplines. Remember that pursuing higher studies can lead to possibilities for teaching, research, or advanced roles in areas viz., pharmaceutics, pharmacognosy, medicinal chemistry, or pharmacology.

When choosing which career path to opt for upon finishing his Bachelor of Pharmacy (B.Pharm) degree, I would suggest that your brother takes into account his abilities, interests, and professional objectives. Lastly, I would like to say that acquiring practical experience through internships or entry-level work may prove beneficial, as this will allow your brother to investigate other career paths and learn valuable skills in the sector.

For more information, you can visit our website.