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Naveenn Kummar233 Answers |Ask - Follow
Financial Planner, MF, Insurance Expert - Answered on Sep 24, 2025
Asked on - Sep 18, 2025
Hi , I am 42 years old, my investment are following 30 lakhs in MF , 11 lakhs in PPF, 2 lakhs in NPS and 20 lakhs in EPF. I have home loan EMI of 38,000 monthly for next 5 years. I do monthly investment of 107000 in MF and my in hand salary is around 2.2 lakh/month. My kid is 10 yrs old and I am planning for retirement by 50 year. How should I plan my investment for next 8 years to cover my kid study+marriage expenses and my comfortable retirement.
Ans: 1. Current Snapshot (Age 42)
Salary (in-hand): ?2.2L/month (~?26L/year)
Expenses: not shared, but EMI = ?38k/month (ends in 5 yrs)
Investments so far:
Mutual Funds: ?30L (equity assumed)
PPF: ?11L
NPS: ?2L
EPF: ?20L
Current monthly investment: ?1,07,000 (MF SIPs)
Kid: Age 10 (education needed in 7–8 yrs, marriage maybe in 15 yrs)
Retirement Target Age: 50 yrs (just 8 years away!)
2. Key Goals
Child Higher Education (starting ~age 18 = after 8 yrs)
Assuming cost ~?30–40L (India) or ?70L–1Cr (abroad).
Child Marriage (after ~15 yrs)
May require ~?25–40L in today’s value.
Retirement @50 (life expectancy 80–85 yrs, so 30–35 yrs retired life).
Current household needs (let’s assume ~?1.2–1.3L/month post-loan).
At 6% inflation, this doubles roughly every 12 years.
Corpus required: ~?8–10Cr minimum for comfortable early retirement.
3. Observations
Your SIP of ?1.07L/month is excellent discipline. In 8 yrs, if invested in equity (~11–12% CAGR), this alone can grow to ?1.5–1.7 Cr.
Existing MF (?30L) will grow to ~?65–70L in 8 yrs.
PPF + EPF (~?31L total) can become ~?55–60L in 8 yrs.
Total (by age 50): ~?2.5–2.8 Cr (conservative estimate).
???? This is not enough for full retirement at 50 if you want high lifestyle + kids’ goals. You would need at least ?8–10 Cr for safety.
4. Strategy
A. Kids’ Education
Ring-fence a separate portfolio for this.
Allocate ?40–50k/month SIP in a mix of Flexi Cap + International (for dollar hedge) + Debt Hybrid.
This should comfortably fund ~?40–50L corpus in 8 yrs.
B. Retirement Corpus
The remaining ?55–60k/month SIP + EPF/PPF can continue as long-term.
Shift towards a 60:40 Equity:Debt allocation as you near age 50.
Consider NPS Tier I (increase contribution) for retirement-specific tax-efficient growth.
C. Loan
Home loan ends in 5 yrs. After that, you can redirect EMI (?38k/month) into retirement SIPs → boosting corpus further.
D. Insurance & Risk
Ensure you have adequate term insurance (1–1.5 Cr) and health insurance (20–25L family floater).
This protects your plans in case of uncertainty.
5. Action Plan for Next 8 Years
Split SIPs:
40–50k → Child Education portfolio
55–60k → Retirement corpus
Post 5 yrs, add EMI savings (?38k) to Retirement portfolio
Equity Mix (for retirement):
40% Flexi Cap / Index Fund (Nifty 50, Sensex)
30% Midcap Fund
20% International / US ETFs (to hedge currency risk)
10% Hybrid / Balanced Advantage
Debt Mix (for stability):
Continue EPF + PPF
Add Debt MF / Target Maturity Funds for predictable returns around 2028–2030.
Re-assess at Age 47–48
If corpus >?3.5–4Cr, you may consider partial retirement / slower pace of work.
If corpus
(more)
Salary (in-hand): ?2.2L/month (~?26L/year)
Expenses: not shared, but EMI = ?38k/month (ends in 5 yrs)
Investments so far:
Mutual Funds: ?30L (equity assumed)
PPF: ?11L
NPS: ?2L
EPF: ?20L
Current monthly investment: ?1,07,000 (MF SIPs)
Kid: Age 10 (education needed in 7–8 yrs, marriage maybe in 15 yrs)
Retirement Target Age: 50 yrs (just 8 years away!)
2. Key Goals
Child Higher Education (starting ~age 18 = after 8 yrs)
Assuming cost ~?30–40L (India) or ?70L–1Cr (abroad).
Child Marriage (after ~15 yrs)
May require ~?25–40L in today’s value.
Retirement @50 (life expectancy 80–85 yrs, so 30–35 yrs retired life).
Current household needs (let’s assume ~?1.2–1.3L/month post-loan).
At 6% inflation, this doubles roughly every 12 years.
Corpus required: ~?8–10Cr minimum for comfortable early retirement.
3. Observations
Your SIP of ?1.07L/month is excellent discipline. In 8 yrs, if invested in equity (~11–12% CAGR), this alone can grow to ?1.5–1.7 Cr.
Existing MF (?30L) will grow to ~?65–70L in 8 yrs.
PPF + EPF (~?31L total) can become ~?55–60L in 8 yrs.
Total (by age 50): ~?2.5–2.8 Cr (conservative estimate).
???? This is not enough for full retirement at 50 if you want high lifestyle + kids’ goals. You would need at least ?8–10 Cr for safety.
4. Strategy
A. Kids’ Education
Ring-fence a separate portfolio for this.
Allocate ?40–50k/month SIP in a mix of Flexi Cap + International (for dollar hedge) + Debt Hybrid.
This should comfortably fund ~?40–50L corpus in 8 yrs.
B. Retirement Corpus
The remaining ?55–60k/month SIP + EPF/PPF can continue as long-term.
Shift towards a 60:40 Equity:Debt allocation as you near age 50.
Consider NPS Tier I (increase contribution) for retirement-specific tax-efficient growth.
C. Loan
Home loan ends in 5 yrs. After that, you can redirect EMI (?38k/month) into retirement SIPs → boosting corpus further.
D. Insurance & Risk
Ensure you have adequate term insurance (1–1.5 Cr) and health insurance (20–25L family floater).
This protects your plans in case of uncertainty.
5. Action Plan for Next 8 Years
Split SIPs:
40–50k → Child Education portfolio
55–60k → Retirement corpus
Post 5 yrs, add EMI savings (?38k) to Retirement portfolio
Equity Mix (for retirement):
40% Flexi Cap / Index Fund (Nifty 50, Sensex)
30% Midcap Fund
20% International / US ETFs (to hedge currency risk)
10% Hybrid / Balanced Advantage
Debt Mix (for stability):
Continue EPF + PPF
Add Debt MF / Target Maturity Funds for predictable returns around 2028–2030.
Re-assess at Age 47–48
If corpus >?3.5–4Cr, you may consider partial retirement / slower pace of work.
If corpus