Do I need to change my investment portfolio to meet all goals and save for retirement?
I am 32 years of age and get net salary of ₹99,000 per month
I am 32 years of age and get net salary of ₹99,000 per month. My monthly investments include ₹5,000 in NPS Tier-II, ₹10,000 in Aditya Birla SL Flexi Cap fund, ₹5,000 in Aditya Birla SL Banking & FS fund, ₹5,000 in Aditya Birla SL Small Cap fund , ₹10,000 in Aditya Birla Tax Saving 96 fund, ₹3,600 in employee provident fund (EPF), and ₹10,000 in FDR/Liquid fund. My annual investments comprise ₹2,000 in public provident fund, ₹50,000 in NPS Tier-I, and ₹50,000 in gold bonds. My household expenses come to ₹40,000 per month. I have a;sp taken a ₹3 lakh health policy and term insurance cover for ₹1 crore