Will I be able to create a corpus of Rs 30 core in 25 years?

I am a 34-year-old professional working with an MNC. I have an aggressive risk profile. I started investing two years ago in mutual funds after I finished paying off my home loan. Currently, I have the following SIPs:
DSPBR MICRO Cap: Rs 12,000
Mirae Emerging Blue Chip Fund: Rs 20,000
L&T India Value Fund: Rs 25,000
BSL Equity Fund: Rs 20,000
L&T Prudence Fund: Rs 20,000
ICICI Value Discovery Fund: Rs 20,000.
I have two queries:
1. My investment goal is to have 30 Crore after 25 years- will the above investment and schemes help to achieve my retirement goal.
2. Also, I was reviewing my portfolio- I have these following non-performing schemes: HDFC MidCap Opportunities; HDFC Prudence; HDFC Top 200; IDFC Premier Equity; Reliance Equity Opportunities and Sundaram Select Midcap Growth -amouting to Rs 5 lac (holding period more than 2 years). Should I exit all of them and reinvest in the current SIP schemes I have in lumpsum or use the STP route in the current SIP schemes through their liquid plan?

Bina Pandit, a Certified Financial Planner, responds:

1. You have started your SIPs two years ago. To get Rs 30 crore in 25 years, you require minimum 14% return on the Total SIP of Rs 1,17,000. All schemes are good and well diversified in multi, mid and small cap funds. However, I would suggest you to increase SIP amount in future to avoid any disappointment in case of less return.


2. All mentioned schemes are performing well now. If you give some more time, they may earn good return in future. Having said that looking at current scenario, you can redeem and take STP route for your investment through liquid fund either in same funds or other suitable funds.

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