Assuming an annual return of 12% on your investments, you need to invest around Rs 1.55 lakh every month to create a corpus of Rs 5 crore in 12 years. If you can afford to invest the money every month, you can start investing in mutual funds that are in line with your risk profile. Moderately aggressive is a bit vague. We typically ask moderate investors to invest in flexi cap funds. If you want to take aggressive bets, you can invest in mid cap, small cap, thematic schemes, etc. However, make sure you are investing as per your allocation plan. You should always maintain your asset allocation by periodically reviewing your mutual fund portfolio.