I’ve attached 3 screenshots — 1 of my wife’s Groww portfolio and 2 of mine.

We’re currently investing ₹20k/month each, but now want to increase this to ₹30k/month for me and ₹40k/month for my wife. Total 70k per month

Could you please review all the mutual funds and suggest:

1. How much should we allocate to each existing fund?

2. Are there any significant overlaps?

3. Should we stop/reduce any funds?

4. Where should the additional ₹10k/₹20k be invested?

5. Would you recommend adding any new mutual funds, or should we stick to the existing ones?

I’m considering reducing/removing Parag Parikh Flexi Cap, as I’m not very happy with its returns, but I’m open to opinions.

Note: I’m separately investing ₹7,000/month in gold through the stocks section. I’m specifically interested in gold only and am not looking to invest in silver or any other metals. Please keep the discussion/recommendations focused only on our mutual fund portfolios.

Please suggest specific amounts/allocations rather than just naming funds. Long-term investment horizon.

Risk Appetite : Moderate

Goal : Retirement or buying a Villa

Horizon :10-15 years

App used : Groww

Thanks in advance!

Need advice on optimizing our SIP portfolios (₹30k + ₹40k/month)