Hi Sreekanth,
Hope you are doing good!
I have been following your blogs for a long time. I have query related to my current MF portfolio.
Currently, I am investing in below funds for a year now. Need your review if I should continue or switch to any other.
Parag Pareekh Flexi Fund- 3000
HDFC Hybrid Equity Fund- 2000
TATA Small Cap- 2000
UTI Nifty Index fund- 2000
UTI next 50 index fund- 1000
Hello,
Thank you for being my loyal blog reader!
May I know your investment objective and time-horizon?
ahujarahul.2209 Topic starter
March 31, 2026 8:04 pm
@sreekanth I am planning for the longterm investment for around 12-15. The objective is to save for my daugther's higher eduction and for retirement. earlier, I was investing in ELSS - Axis, DSP & IDFC. which is stopped as I moved to new tax regime.
Shift focus to broader Equity Mutual Funds
Instead of ELSS, you can consider:
- Nifty 50 / Sensex Index Funds
- Flexi-cap funds
- Multi-cap Asset Funds
Sample approach for 12–15 years
- 60–70% → Equity Mutual Funds (for growth)
- 20–30% → Debt options (PPF, EPF, etc.)
- 10% → Cash/short-term debt (for stability)
Since you have two goals:
- Daughter’s education (time-bound)
- Retirement (long-term, flexible)
👉 Try to separate investments mentally (or via different funds/SIPs) for each goal. This gives better clarity and avoids compromising one goal for another.
👉 Also, first estimate the required corpus for both goals and then work backwards to determine how much you need to invest periodically.
- If the required SIP feels high initially, you can start with a comfortable amount and gradually increase contributions (step-up SIP)
- Review your portfolio periodically and rebalance your equity–debt allocation based on performance and time horizon
You may go through my articles for more information;
- https://www.relakhs.com/best-mutual-funds-2026-equity-funds-analysis/
- https://www.relakhs.com/engineering-vs-medicine-the-eternal-dilemma-in-your-childs-education/
- https://www.relakhs.com/inflation-assumptions-financial-planning-india/
