Best mutual funds for a 28-year-old investor


I have done SIPs in the following funds for a cumulative amount of Rs 1 lakh:
Franklin Build India Fund
Franklin India Prima Fund
ICICI Prudential Value Discovery Fund
DSP Natural Resources and New Energy Fund
Motilal Oswal Focused 25 Fund
DSP Small cap Fund

Also, I have made one off one time lumpsum investment of Rs 5,000 in these funds:
ICICI Prudential Pharma Healthcare Diagnostic Fund
ICICI Prudential FMCG

Now I want to start a regular SIP in 3-4 funds and thinking which fund will be right for me. I am a 28-year-old, recently married male. I prefer sectoral funds in FMCG, infra and healthcare. So have started sip in Mirae Asset Great Consumer Fund. Please suggest 2-3 funds where I should be investing
-Sarvesh Sah always ask investors to choose mutual funds based on their financial goals, investment horizon, and risk profile. For example, we typically ask a long-term investor with a conservative risk profile and an investment horizon of five to seven years to consider investing in large cap mutual funds to achieve her long-term financial goal. An aggressive investor with a longer investment horizon may consider investing in mid cap or small cap schemes, while an investor with a moderate risk appetite is better off with multi cap schemes. These investors can also diversify their portfolio and increase or decrease the overall risk in it by taking a small exposure to schemes with lower/higher risk.

We have noticed that you have an affinity towards sector/thematic schemes. We do not recommend these schemes to regular investors. We believe they are meant for large or sophisticated investors looking to diversify their portfolio. Most themes and sectors go through ups and downs based on the economic cycle in the economy. It would be extremely difficult for a regular investor to keep track of these trends or time their entry or exit in these schemes to maximise profits. We believe a diversified open-ended equity mutual fund scheme would serve them better. A diversified scheme would always have meaningful investments in hot themes and sectors.

You should consult a reliable mutual fund advisor or financial planner. Also, educate yourself more about mutual funds and investments before taking care of your investments yourself. You have time on your side and if you start investing a small sum regularly in mutual fund schemes based on your profile, you would be able to create wealth over a long period.