A mutual fund portfolio to create a retirement corpus

I am a new investor and I am 30 years old. I am looking for an investment horizon of 30 years (retirement plan). I want to invest Rs 5 lakh lumsum via STP in 18 months. My risk profile is moderate.
I am thinking to investing in direct plans of:
SBI Blue Chip Fund: 15%
ICICI Prudential Bluechip Fund: 30%
UTI Regular Savings Fund: 15%
ICICI Prudential Regular Savings Fund: 20%
Motilal Osawal Multicap 35 Fund: 20%
Please give me suggestion or re-balancing strategy for the next 10, 20, 25 years or should I stay all way with these funds even it’s not performing over two years?
--Kyachinu Mog

If you are a new mutual fund investor who does not understand much about investing or mutual funds, you should consult a reputed mutual fund advisor before investing. New mutual fund advisors often need a bit of hand holding in the initial years of their investment journey. Only a mutual fund advisor near you can provide you that comfort.

You are planning to invest 45 per cent of your corpus in largecap schemes, 20 per cent of the corpus in a multicap scheme, and 35 per cent of the corpus in conservative equity hybrid schemes.


An investor with moderate risk appetite should try to invest most of the money in multicap mutual fund schemes. The person can also diversify the portfolio by taking a small exposure to largecap mutual fund schemes. However, conservative hybrid schemes are not a great tool to plan for a retirement corpus. Since you have the risk appetite and long investment horizon, you should consider investing in equity mutual fund schemes in line with your risk appetite.

You should consider hiring a mutual fund advisor.