I am 31 years-old & investing INR 110k/ month in various SIPs in India since July 2015. How can I make 10 Crores in 10 years from now? I have invested in PPF and Bank FD, and asset allocation in my SIP portfolio is appropriate as of March 2016.

Turning INR 110K/month SIP into INR 10 Crores in 10 years is like gearing up for an ultra-marathon. You’ve set an ambitious pace, but with strategic planning and discipline, it can be achieved.

1. Optimize Equity Exposure: Your SIPs are presumably in diversified equity funds. Consider adding some more aggressive equity funds, like small-cap or sectoral funds, to the mix.
2. Evolved Equity Strategies: Tactical strategies like momentum investing or special-situation investing could provide higher returns. These are akin to hydration and nutrition strategies that help athletes perform better.
3. Professional Management: A Portfolio Management Service (PMS) like Jama Wealth can potentially provide better returns by leveraging the expertise of seasoned investment professionals.
4. Asset Reallocation: Regularly review your portfolio and rebalance it. It’s like taking stock of your progress mid-race and adjusting your pace accordingly.
5. Keep Other Investments Intact: Your PPF and FDs act as buffers against volatility in equity investments. They are the steady runners in your ultra-marathon.

Remember, the journey to INR 10 Crores is a marathon, not a sprint. It requires strategic investment planning, discipline, and patience. As billionaire investor Charlie Munger said, “The big money is not in the buying and selling… but in the waiting.”