I am investing in below mentioned MF monthly for the past 2.5 years.

1. Kotak Emerging Equity Fund(G)- 7500/-
   2. Mirae Asset Emerging Bluechip fund(G)-2500/-
   3. Canara Robeco Emerging Equities (G)-5000/-
   4. Aditya Birla Flexi Cap fund (G)-5000/-
   5. Parag Parikh Flexi Cap fund (G)-5000/-
   
   Kindly suggest whether these funds are good or I need to diversify. I wanted an amount of around 2-3 cr before retirement. Currently my age is 39 years.

Ans: It's commendable to see your proactive approach towards investing. Your portfolio showcases a balanced mix across equity, debt, and tax-saving instruments, which is a good start.

Now, looking ahead 15 years is a bit like gazing into a crystal ball. The returns you can expect will depend on various factors like market conditions, fund performance, and economic trends. While past performance can give us some insights, it's not a guarantee of future returns.

Your current XIRR of 15.10% from ELSS funds over three years is a positive sign. This suggests that your investments are performing reasonably well.

As for the PPF and the SIPs, they're both solid choices for long-term investing. PPF offers tax-free returns and has a guaranteed interest rate, while SIPs provide the benefit of rupee-cost averaging and potential market-linked returns.

However, to optimise your portfolio further, we might consider:

Diversification: Ensure a broader asset allocation across various fund categories.
Review and Rebalance: Periodically review and rebalance your portfolio to align with your goals and risk tolerance.
Tax Efficiency: Keep an eye on tax implications to maximise post-tax returns.
Given the dynamic nature of markets, it's essential to review and adjust your portfolio periodically.