If your income doubles next year then you should do Goal Recalibration. You should use the increased income for three things: 1. Increase your SIPs (Step-up SIP), 2. Start new goals, 3. Increase your risk cover. Goals based wealth management in Pune can help with strategic reallocation of the new income. https://www.goldenmeanfinserv.com/goal-based-financial-planning-in-pune.php