I'm asking if the 5 funds I shortlisted are enough of diversification. The Regular ones I already have, i'm planning to ditch after a year. Should I have lesser or more funds ? Total SIP amount will be Rs 15-20k per month. The lump sum that I have, would be okay to keep it in a savings account , or is there a better option, from where I can take the SIP amount as and when needed. ( Can I keep the money in a liquid fund and withdraw 20k per month from it , to the savings account from which SIPs will be debited? )