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Ramalingam Kalirajan11326 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2026
Asked on - Jun 28, 2026
Sir I am investing 6000 per month in mutual fund seventy percent in equity and 30 percent in hybrid i have a coprpus of 4 laks now I want to create 75 lakhs in next 15 years through mutual fund please guide
Ans: Its good that you have already built a mutual fund corpus of Rs. 4 lakh. Starting early and staying invested for 15 years gives you a strong opportunity to create long-term wealth.
»Your Present Position
You have a corpus of Rs. 4 lakh.
You are investing Rs. 6,000 per month.
Your allocation of 70% in equity and 30% in hybrid is suitable for long-term investing, provided it matches your risk profile.
»Can You Reach Rs. 75 Lakh?
Your goal is achievable.
However, continuing with the same SIP may not be enough.
You should increase your SIP every year as your income grows.
Even a small annual step-up can make a significant difference over 15 years.
»Investment Strategy
Continue investing in quality actively managed mutual funds.
Stay disciplined during market ups and downs.
Avoid stopping SIPs during market corrections.
Review your portfolio once every year.
»Other Important Steps
Build an emergency fund if you have not already done so.
Maintain adequate health insurance and term insurance.
Keep long-term goals separate from short-term expenses.
»Finally
You have a good start with your existing corpus.
Focus on increasing your SIP regularly rather than adding too many funds.
With discipline, patience and annual SIP increases, your target of Rs. 75 lakh can become achievable.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
»Your Present Position
You have a corpus of Rs. 4 lakh.
You are investing Rs. 6,000 per month.
Your allocation of 70% in equity and 30% in hybrid is suitable for long-term investing, provided it matches your risk profile.
»Can You Reach Rs. 75 Lakh?
Your goal is achievable.
However, continuing with the same SIP may not be enough.
You should increase your SIP every year as your income grows.
Even a small annual step-up can make a significant difference over 15 years.
»Investment Strategy
Continue investing in quality actively managed mutual funds.
Stay disciplined during market ups and downs.
Avoid stopping SIPs during market corrections.
Review your portfolio once every year.
»Other Important Steps
Build an emergency fund if you have not already done so.
Maintain adequate health insurance and term insurance.
Keep long-term goals separate from short-term expenses.
»Finally
You have a good start with your existing corpus.
Focus on increasing your SIP regularly rather than adding too many funds.
With discipline, patience and annual SIP increases, your target of Rs. 75 lakh can become achievable.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/