Hello sir. I am 39 years old and have a high risk apetite. My goal is to accumulate 2.5 cr by the time i retire. I am currently investing in the following funds by monthly sip. Please review and suggest whether i am on the right track or do i need to make changes. I currently have 12l in in this portfolio. All the investments are in direct growth mode and i increase the sip value by 5-10% every year.
1. Motilal oswal elss 2500
2. Axis mf elss 2500
3. ABSL frontline equity 2000
4. Parag Parikh flexicap 3000
5. Motilal oswal mid cap 3000
6. Sbi small cap 3000
7. Hsbc small cap 1000
8. Tata small cap 2500
9. ABSL money manager 5000
Ans: Given your high-risk appetite and goal of accumulating 2.5 crore by retirement, your portfolio seems aligned with your objectives. Ensure you regularly review performance, fund expenses, and rebalance if necessary. Diversification across large, mid, and small-cap funds is prudent for high-risk tolerance. Monitor each fund's performance relative to its benchmark and peer group. Consider the impact of market conditions and economic trends on your investments. Adjust your SIPs periodically based on your financial situation and market outlook. Consulting a financial advisor periodically can provide valuable insights and ensure your portfolio remains on track to meet your long-term goals.
