Sir, I am 48 ,I invest 12K in MF per Month,Quant Small Cap 5K,Motilal Oswal 5K and Mirage Assest Blue Chip Emerging Fund 2K.. Current Portfolio is of 10L I Also Invest in Equity of Good Quality TOP 200 co about 15 Scrips.. Current Portfolio is of 10 L..Is my Strategy Current for Long Term Value Creation..I will Work till 55 so Another 7 Years in Hand..
Ans: It sounds like you've taken the initiative to diversify your investments across mutual funds and direct equity, which is a commendable approach. However, the effectiveness of your strategy depends on various factors like your risk tolerance, financial goals, and investment horizon.
Investing in small-cap funds can offer higher growth potential, but they often come with increased volatility. On the other hand, large-cap and blue-chip funds tend to be more stable but may offer moderate returns.
Direct equity investment in top-quality companies can be rewarding but requires thorough research and a good understanding of the market. It's like sailing; you need to navigate through the market's highs and lows with skill and patience.
As you have 7 years until your planned retirement, consider reviewing and possibly rebalancing your portfolio to align with your long-term goals. Consulting a financial advisor can provide you with a clearer roadmap tailored to your needs, ensuring your journey towards financial independence is both smooth and fulfilling.