I've started SIPs—what's next for my long-term financial goals?

I'm 35, living in Pune with my 4-year-old daughter.

- Alpa Shah

I earn ₹1.2 lakh/month; my husband is a freelance designer with irregular income. We rent now but plan to buy a house in 3-4 years. I want to secure my daughter's education and retire by 60. I invest ₹15,000/month in mutual fund SIPs, have term insurance, and a ₹5 lakh emergency fund. Am I on the right track? How can I plan better for my long-term goals and balance tax savings with wealth creation?

—Swati

You're off to a solid start—with SIPs, term insurance, and an emergency fund, you've laid the foundation for a secure financial future. Here's how to sharpen your plan:

Buying house (3-4 years)