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Review choice of funds every year to ensure the portfolio remains healthy

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₹4 crore-5 crore would be significantly different from today in 25 years I am 31 years old. My long-term portfolio is: ₹4,500 in Aditya Birla Sun Life Tax Relief 96 and Axis Equity Saver; ₹2,000 in Mirae Asset Emerging Bluechip; and ₹1,000 each in L&T Midcap, ICICI Prudential Bluechip and Franklin US Feeder.

The short-term investments are ₹1,500 in Franklin India Savings and ₹1,000 in Axis Banking & PSU Debt. I also have a lump sum of ₹10,000 each in L&T Money Market and Axis Banking & PSU Debt.

My medium-term investments are: ₹500 in ICICI Prudential Balanced Advantage, plus I have systematic transfer plans (STPs) of ₹1,000 each for 10 months in Canara Robeco Conservative Hybrid and ICICI Prudential Balanced Advantage.

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