Nidhi Sharma started SIPs for her goals 12 years ago. The doctor advised her that all her goals can be reached comfortably without any hike in SIP amount. However, she needs to have a debt component in her portfolio and should open a PPF account. The doctor also recommended shifting to debt in 2-3 years for her education goal which is close.

Jyoti Ranjan Behera wants to amass Rs.2 crore in 10 years. The doctor advised him to defer the goal by 4-5 years as it is too ambitious. The doctor also suggested keeping a close watch on fund performance and not investing in dividend plans for long-term savings.