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Rs 30,000 monthly SIP across 10 funds. Why this investor’s mutual fund portfolio may need a reset21 Aug 2026, 10:10 IST

A 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The expert highlights an inadequate retirement corpus projection, needing a revised calculation. Too many mutual funds create complexity and potential overlap for the current SIP amount. Goals approaching sooner need greater funding priority over longer-term objectives. A goal-wise approach is recommended, working backward from each financial target.

Have over Rs 1 crore cash to invest? Expert suggests portfolio for retirement, children’s goals13 Aug 2026, 10:09 IST

An investment advisor recommends a tailored strategy for a surplus of Rs 1.31 crore, focusing on balancing risk and stability for retirement aspirations. This plan involves a staggered investment approach via a systematic transfer plan (STP) spanning four to seven years. The proposed portfolio diversifies into equity, hybrid funds, arbitrage, and gold investments, aiming for capital growth while safeguarding assets as retirement approaches.