Investing in mutual funds through systematic investment plans (SIPs) has gained popularity among individuals planning for retirement. Kumari Geeta, an art teacher from Delhi, invests across various categories, including midcap and smallcap funds. She expresses concern over the rising assets under management (AUM) of the Nippon India Small Cap Fund, which stands at ₹61,808 crore as of March 31, 2026. Financial expert Harshvardhan Roongta acknowledges these concerns, noting that larger funds may struggle to find high-quality investment opportunities in the smallcap space. However, he advises Geeta to maintain her investment in the Nippon fund, as it remains a strong performer. Instead, he suggests she consider redirecting new SIPs to a smaller fund like Bandhan Small Cap Fund. Geeta plans to increase her monthly investments to ₹16,000, potentially building a corpus of around ₹1 crore over 15 years with a disciplined approach. Roongta warns that this target may not suffice due to inflation, emphasizing the need for realistic financial planning. The discussion highlights the importance of balancing portfolio diversification with strategic adjustments to achieve long-term financial goals.