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Ans: At 33, you're in a great position to plan for your retirement with a long-term perspective. The funds you've chosen offer a diversified mix across different market caps, which is a good start. But let's ponder a few questions together.

Firstly, have you considered the potential volatility that comes with mid-cap and small-cap funds? While they offer higher growth potential, they can be more volatile. Are you comfortable with potential fluctuations in your investment journey?

The step-up in SIPs is a smart move to increase investments over time, but have you accounted for the impact of inflation and its erosion on purchasing power? It's essential to factor this in to ensure your target of 10 crores is adjusted for the future value of money.

Lastly, while 10 crores is a significant amount, is it aligned with your expected expenses during retirement? Have you factored in lifestyle choices, healthcare, and other post-retirement commitments?

Remember, the journey to 10 crores isn't just about the funds you pick but the consistency, discipline, and adaptability in your investment approach. A Certified Financial Planner can help fine-tune your strategy and navigate the challenges ahead.

Ans: Your investment choices reflect a good mix of funds across different market capitalizations, which is a thoughtful approach. As you're in your early 30s, you have a considerable investment horizon, allowing you to benefit from the power of compounding and potentially higher returns from equities.

However, aiming for 10 crores for retirement is an ambitious goal. While it's essential to have aspirations, it's equally crucial to ensure they're grounded in realistic expectations. With a consistent investment of 15k per month and a 10% step-up annually, you're on the right track, but achieving 10 crores would also depend on market performance, your investment discipline, and other external factors.

It might be beneficial to periodically review and rebalance your portfolio, especially with the step-up in SIPs, to align with your evolving financial goals and market conditions.

Lastly, while the chosen funds have performed well historically, it's essential to remember that past performance is not indicative of future results. Regularly consulting with a financial advisor can provide you with a more personalized and informed investment strategy.

Best wishes on your investment journey!

Ans: both look good for 5yrs plus

Ans: Your portfolio with Parag Parikh Flexicap, SBI Mid Cap, and Axis Small Cap funds is diversified across cap sizes, aligning with your long-term goal. With a 25-year horizon and annual step-up, aiming for 10 crores for retirement at 33 is ambitious but achievable with disciplined investing and regular review.

Ans: Your SIP portfolio consisting of Parag Parikh Flexi Cap, SBI Mid Cap, and Axis Small Cap funds is diversified across different market caps, which is a good strategy for long-term growth. Given your age of 33 and the goal of accumulating ?10 crores for retirement over 25 years, let's evaluate your portfolio:

Investment Amount: Starting with ?15,000 per month and a 10% step-up each year will significantly boost your investments over time due to the power of compounding.

Fund Selection:

Parag Parikh Flexi Cap Fund: Known for its diversified and global investment approach.
SBI Mid Cap Fund: Focuses on mid-sized companies with growth potential.
Axis Small Cap Fund: Targets small-cap companies with high growth potential.
Return Expectation: Assuming an average annual return of 12%, which is a reasonable expectation for a diversified equity portfolio over the long term, your portfolio has the potential to achieve your goal.

Risk: Small and mid-cap funds can be more volatile than large-cap funds, but they also offer higher growth potential. Ensure you're comfortable with the risk associated with these funds.

Regular Review: Regularly review and rebalance your portfolio to ensure it remains aligned with your goals and risk tolerance.

Given these factors, your portfolio seems well-positioned to help you achieve your retirement goal of ?10 crores over 25 years, especially with the step-up in investment amount each year. However, it's essential to monitor the performance of your funds and adjust your strategy if needed. Consulting a financial planner can provide personalized advice tailored to your situation.

Ans: already answered

Ans: dono companies se dur raho wahi behtar hain

Ans: Your portfolio seems well-diversified across different market segments, which is a good approach for long-term wealth accumulation. The Parag Parikh Flexicap Fund offers exposure to a mix of large, mid, and small-cap stocks, providing flexibility and stability. SBI Midcap Fund and Axis Small Cap Fund focus on mid and small-cap companies, respectively, aiming for higher growth potential. With a 25-year investment horizon and a 10% annual step-up, your disciplined approach can potentially help you achieve your ambitious retirement goal of 10 crores. However, ensure to regularly review and adjust your investments based on performance and changing market conditions.

Ans: Hello, the funds you have selected are good and its correctly diversified
In order to get 10crs after 25yrs, your sip has to be 53K assuming a XIRR of 12%

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Ans: The funds look okay to me. I cant just guarantee you that you will surely get 10 cr at retirement as equity investments are subject to market risks.

Ans: Yes

Ans: The funds held with you have good fundamentals and favourable past records and they have delivered decent returns as per the market scenario.

Parag Parikh Flexi Cap Fund has performed exceptionally well, earning it a strong reputation among investors. The fund has delivered upto mark return of 24% CAGR in the 3 year horizon.

SBI Mid Cap Fund has outperformed the benchmark in the long run and contains a very high risk but the fund has delivered a good return of 29% CAGR in 3 year time horizon.

Axis Small Cap Fund although the performance of the fund is decent but the fund house has seen some disruptions due to the recent changes in the management. Still the fund has delivered an exceptional return of 32% CAGR in last 3 years.

If you continue your investment till your retirement (27 years) with the step up SIPs by 10% every year and considering the average returns of 12-14%, you can create a decent corpus of Rs 10 crores approx.

Ans: All the funds mentioned are good funds, can hold them for long term. Considering the funds that you're investing into and assuming returns @15% CAGR for 25 years, you should be able to achieve your goal amount of Rs. 10 crores.

Ans: Your plan seems to be reasonable to achieve your target of Rs 5 Cr in 25 year's time. But given that the total allocation of mid-small-caps (i.e. non-large-caps) will be more than 50% in this portfolio, it must be understood that this is a portfolio suitable for a sufficiently high-risk appetite. If this is in line with what your understanding is then it is fine, else, consider increasing allocation to largecaps as well.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Ans: You have allocation in good funds, however, there are too many funds in the Smallcap category; kindly understand there can be significant overlaps in the funds owing to limitation in the investible universe.
Since you're already following step-up SIP route, you can go for a Flexicap Fund, a Smallcap fund and a Hybrid fund to balance your portfolio.

Ans: We think that the funds are well-positioned for future growth. Having exposure to mid-cap and small-cap funds is appropriate as per your age and horizon and we have assumed that you have a high risk profile.

We recommend you to stop the contribution in Axis Small Cap only because of over-diversification purpose and re-start it in Mirae Asset Large Cap Fund and to keep track the performance of your portfolio.

Also, we recommend you to maintain emergency fund with you for uncertain events.
We advise you to speak with a financial expert for individualised advice.
Good luck with your financial endeavours!

Ans: Dear Rahul
I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down. Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.

My recommendation only on the past performance and anticipated future outlook of your funds is as below:-
1. Parag Parikh flexicap - Good fund. Continue.
2. Mirae Asset mid cap fund - Good fund. Continue.
3. Axis small cap fund - As below
4. Canara robeco small cap – Too many small cap funds. Retain this one. Switch out others unless ready to take very high risk in portfolio.
5. Quant small cap – As above
6. PGIM mid cap fund - Good fund. Continue.

However, do note that you are taking a very high risk in your portfolio with 2 midcap and 3 small cap funds. Do consult a financial advisor to rebalance your portfolio.