A 42-year-old working professional from Mumbai is planning to build a retirement corpus of ₹10 crore over the next 20 years. Currently, he has a mutual fund portfolio worth ₹29.4 lakh and contributes ₹42,000 monthly through systematic investment plans (SIPs). Financial expert Shivam Pathak analyzed his portfolio and projected that with a 15-20% annual increase in SIPs and an assumed return of 12%, he could potentially accumulate around ₹15.5 crore. However, his current heavy allocation to small-cap funds raises concerns about volatility. To mitigate this risk, Pathak recommends reallocating some investments to large-cap funds, such as the Nippon India Large Cap Fund, for greater stability. Additionally, he suggests reviewing underperforming funds in the portfolio to streamline investments. As planning for a child's education is also crucial, Pathak advises considering educational loans to instill responsibility while ensuring parents remain a financial safety net. Overall, with disciplined investing and strategic adjustments, the investor is well-positioned to meet his financial goals.