I have investments worth Rs 22.05 lakh in mutual funds. Out of my total investments, 80 per cent is in RBI, PPF and Post Office schemes. The interest from the Post Office MIS scheme goes straight into an equity mutual fund SIP every month. I also have stock investments worth Rs 9.9 lakh. Currently, my total equity exposure is only 15-20 per cent, which I am trying to increase gradually. I am 33-year-old and my equity investment horizon is over 15 years.