–Jestine Augusthy
You have not shared your risk profile. Without that information it is not possible to comment on your mutual fund portfolio or suggest schemes to you. You also should adopt a target-based approach to ensure that you meet your goals without fail. For example, you can take a rough estimate of the higher education for your child. You should also include inflation in your calculation as the value of money erodes over a long period of time. As for your retirement corpus, you can take the current living expenses and provide for annual inflation to arrive at a realistic target.
You are currently investing in a large cap scheme, small cap scheme, flexi cap scheme, and mid cap scheme. Three schemes have an impressive track record, while the mid cap scheme is a new scheme. You should remember that small cap schemes and mid cap schemes are highly risky and volatile. You are okay with the extra risk, You need to first find out which international market you want to bet on. For example, there are schemes that invest in the US, Europe, China, among others.
If you don’t understand much about mutual funds, you should hire a mutual fund advisor or financial planner.