Should I continue to invest in HDFC Top 100 Fund?

I am investing Rs 31,000 per month in HDFC Top 100 Fund - direct for the last three years. Considering this as my retirement fund, can I continue to invest in this fund for the next 10 years?
-- Shrikant Bhandare

Raghvendra Nath, managing director, Ladderup Wealth Management, responds:

HDFC Top 100 Fund is a largecap fund. Since you are doing an SIP of Rs 31,000 every month, I would recommend you to allocate amount to a midcap and a multicap fund as well.

You can do SIP as follows:

• HDFC Top 100 Fund – Rs 11,000
• Motilal Oswal Multicap 35 Fund – Rs 10,000
• Kotak Emerging Equity Fund – Rs 10,000