I am a 36-year-old businessman. My goals are wealth generation for business and retirement. I prefer lump sum investments over SIPs in mutual funds. My monthly investment is ₹35,000–40,000, which I plan to increase to ₹50,000. My current corpus is ₹6 lakh. I hold investments in Quant Active, Axis Long Term Equity, Kotak Emerging Equity, DSP Tax Saver and Nippon India Small Cap funds. I hold some direct stocks too. I have a long-term horizon and can take medium-to-high risk. Please guide me on my investments.