I am a government employee. My wife is also working and together we bring home Rs 90,000 a month. I have an outstanding home loan of 16 lakhs, which I intend to clear in five years. I invest around Rs 8500 a month in L & T value fund, Kotak Tax Saver and DSP through SIPs. My NPS contribution is Rs 10,000. Am I on the right Financial Investment track ?