I am 19 th aged now and wants to retire with 10 cr at 35 age please suggest my investment instruments allocation not matter aggressive risk taking

Ans: Hello Sudhanshu & thanks for writing to me.

To create a corpus of Rs.10 Crore, you will need invest Rs.1.75 Lakh every month over the next 16 years to create your corpus. You can consider investing in a mix of small & mid cap funds for the first 10 to 12 years & then invest in a mix of large cap funds & hybrid funds that can offer stability to your portfolio.

Periodic rebalancing is essential to ensure you are on the right track.

Ans: It's impressive that you're thinking about retirement at such a young age! Starting early gives you a significant advantage in building wealth over time. Here's a suggested allocation for your investment instruments to aim for a retirement corpus of 10 crores by the age of 35:

Equity Investments (70-80%):
Invest a major portion of your portfolio in equity instruments like mutual funds, stocks, or exchange-traded funds (ETFs). These offer the potential for high returns over the long term. Consider diversified equity funds across large-cap, mid-cap, and small-cap segments to spread risk.
Allocate around 70-80% of your investment portfolio to equity for higher growth potential.
Debt Instruments (10-20%):
Allocate a smaller portion of your portfolio to debt instruments like fixed deposits, bonds, or debt mutual funds. These provide stability and act as a buffer against market volatility.
Aim to allocate around 10-20% of your portfolio to debt instruments to balance risk and provide steady income.
Alternative Investments (10%):
Consider allocating a small portion of your portfolio to alternative investments like real estate investment trusts (REITs), gold, or other alternative assets. These can provide diversification and act as a hedge against inflation.
Allocate around 10% of your portfolio to alternative investments for added diversification.
Remember, asset allocation should be based on your risk tolerance, investment goals, and financial situation. Regularly review and rebalance your portfolio to stay aligned with your objectives and adjust as needed. Consider consulting with a financial advisor to create a personalized investment plan tailored to your specific needs and aspirations. Starting early and staying disciplined will put you on the path towards achieving your retirement goal of 10 crores by the age of 35.

Ans: To accumulate the amount of Rs 10 crores in a span of 16 years, you need to invest as per the following -
Option 1 - One time bulk investments of Rs 1.63 cr approx
Option 2 - Monthly Investments of Rs 1.7 lakhs through SIPs
Option 3 (Combination of Bulk and SIPs) - Rs 30-Rs 40 lakhs in bulk and monthly investment through SIPs of Rs 1.5 lakhs

By considering historical returns of 12%, you can invest in pure equity funds for next 15-16 years in different categories like Index Funds, Flexi cap, Mid Cap, Small Cap etc. Be patient and consistent.

Ans: Invest 70% in actively manged equity funds and 30% in debt funds. You have longer time frame. SIP will reap you benefits in the long term. All the best!