You haven’t talked about essential info like your targets, time left to realize them, and your threat profile. In case you are not clear in regards to the fundamentals of investing, search the assistance of a mutual fund advisor or monetary planner.

You’re investing in a flexi cap fund and two small cap funds. Flexi cap funds are beneficial to reasonable traders. Small cap funds are beneficial to very aggressive traders with a protracted funding horizon. It’s important to ensure these schemes are according to your targets and threat profile.

You possibly can assume that these fairness mutual funds will give you 12% returns over a protracted interval. That is an assumption. The true return would depend upon the efficiency of the market and schemes.