my wife has chosen sip in following funds– Rs 2000 pm in uti oppurtunity grth,Rs 2000 pm in Reliance Equity Opportunities ,& Rs 1000 pm in icici pru focussed blue chip , Rs 2000 pm in IDFC prem eqy, please advice does it need any change,it is a long term more than 5 yrs investment goal any thing above 10%