Hi there, I am aged 41 with 2 kids aged 7 and 4.. My present SIP investment is as below,
1. aditya birla sun life MF: 5000/month since 2018
2. Nippon small cap MF: 2000/month since 2018
3. parag [parikh flexi cap : 5000/month since 2022
4. tata digital india: 5000/month since 2022
5. motilal oswal nasdaq 100 FoF: 5000/month since 2023...
plz advise me on the re- alignement of SIP investment considering a time horizon of next 5 years...
Ans: You're doing fantastic! Building a nest egg for your young ones is like planting those saplings – you nurture them now, and they'll provide shade and comfort for years to come.
Looking at your SIPs, it seems you've got a good mix – a diversified forest, if you will. The small-cap fund adds some growth potential, while the flexi-cap and international funds offer broader exposure. But with a 5-year horizon, some tweaks might be helpful.
Here's the thing: a 5-year timeframe is like navigating a fast-flowing river. While some risk is good for growth, you also want stability. Consider talking to a certified financial planner – like your own personal Sherpa! – They can assess your portfolio and recommend adjustments.
For instance, they might suggest increasing your investment in large-cap funds or a balanced fund to provide more stability for your near-term goals. Remember, a well-rounded portfolio is key, just like having a strong support system in life!