I am 24 , just started earning 90k per month, just starting my career , no investments yet, my monthly spend is 40k , how to invest n how much to invest in vivid sectors so that I can retire early?

Ans: You have done a very good job building assets. Your diversified investment style shows strong awareness and a long-term mindset. Your clarity for retirement planning is strong. Now, let us look at your total portfolio with a 360-degree lens and assess the future value.

This answer is structured to give you full clarity, confidence, and direction.

Mutual Funds – Mid and Small Cap Exposure

You are investing Rs. 40,000 per month in mid and small cap funds.

These funds carry high return potential over long term.

Since your time horizon is long, the volatility risk is manageable.

With a 13–15 year horizon, compounding can create a strong growth engine.

Mid and small cap funds need regular monitoring.

Please track fund performance yearly with the help of a Certified Financial Planner.

Do not exit based on short-term underperformance.

Continue SIPs without breaks.

Stay invested through market cycles.

This single step brings consistency.

Based on your contribution and horizon, value can grow significantly.

This part of your portfolio can deliver alpha, if maintained with discipline.

But review allocation if exposure crosses 50% of equity corpus.

Overexposure may increase portfolio volatility.

As retirement nears, you must shift this part slowly to stable funds.

Gold ETF – Monthly Rs. 15,000 Investment

You are investing Rs. 15,000 monthly in Gold ETF.

Gold brings diversification.

But it is not an income-generating asset.

It acts more like an insurance during uncertainty.

Gold ETF does not give interest or dividends.

It may underperform in years when equity performs well.

Holding 5–10% of portfolio in gold is fine.

Don’t increase it further unless specific family needs exist.

At retirement, gold can be partial liquidity reserve.

It will not build long-term wealth like equity.

Own Equity Portfolio – Rs. 10,000 Monthly

You are building a personal equity portfolio across sectors.

This requires stock selection skills and time.

Midcap focus brings higher returns but higher risk.

Avoid overexposure to any one sector or theme.

Rebalance if few stocks grow too large.

Track stock fundamentals every six months.

Don’t hold underperformers emotionally.

If this grows above 15% of equity exposure, shift to funds.

Equity investing is rewarding only when based on research.

Mutual Fund Holdings – Rs. 5.5 Lakhs Currently

Your mutual fund base is still growing.

Add new lump sums from bonuses or any surplus to these funds.

Avoid using direct funds without expert help.

Direct funds miss out on review and guidance.

Regular funds via Certified Financial Planners offer hand-holding and discipline.

Wrong schemes in direct plans may cost more in the long run.

Focus on SIP and STP investing through regular route.

Wealth Manager Portfolio – Rs. 20 Lakhs, Managed Actively

You have a separate portfolio under wealth manager with 20% return per year.

If return is consistent and audited, this is excellent performance.

Keep reviewing this portfolio every 12–15 months.

Ask for detailed transaction summary and turnover ratio.

Churning too much may lead to tax and costs.

Ask your Certified Financial Planner to cross-check the suitability.

Keep this money invested till 2038 as planned.

Do not merge this with your mutual fund tracking.

It should remain as a separate goal bucket.

ULIP Investments – Rs. 1.75 Crores Value with 15 Years Remaining

Your ULIP value is large. That’s unusual but impressive.

ULIPs combine insurance and investment. This reduces transparency.

Most ULIPs charge high for fund management, mortality, and administration.

Long-term returns may not match mutual funds.

At maturity, reinvest all into mutual funds or equity funds.

Don’t withdraw unless emergency arises.

If some policies are more than 5 years old, consider early exit.

Calculate surrender value and compare with projected value.

ULIPs are hard to track for asset allocation.

Too many ULIPs dilute goal-based clarity.

Focus future investments only in mutual funds, not ULIPs.

Two Existing Properties – Rs. 2.25 Crore Estimated Value

Owning two properties is good for asset safety.

You must account for annual upkeep cost.

Real estate doesn’t give liquidity in need.

It also gives no compounding unless rented or sold.

Rental yield is still very low in India.

Property price growth has slowed in last 10 years.

Don’t rely on these properties for retirement income.

Treat them as safety assets, not wealth builders.

New Mumbai Property – Rs. 2.25 Crore with 10-Year Loan

Buying high-value property on loan must be carefully done.

EMI burden will stay for 10 years.

Check that EMI doesn’t exceed 40–45% of take-home income.

Don’t stop SIPs to pay for EMI.

Check future cash flow for maintenance, interiors, and taxes.

Prime location gives value, but liquidity is still low.

Don’t treat this new house as investment.

Use only for own living or family need.

At Retirement – Where Will You Reach?

You are 15 years away from retirement.

By then, your mutual funds can grow strongly.

With current SIP and some growth, you may cross Rs. 2.5–3 crores.

Gold portion will be Rs. 35–40 lakhs.

Own equity portfolio can be Rs. 35–50 lakhs if handled well.

Wealth-managed portfolio may grow to Rs. 1.2–1.6 crores.

ULIP maturity may be Rs. 4–5 crores if compounding works.

Properties may hold Rs. 5–6 crore nominal value.

Your total net worth can cross Rs. 10–12 crores.

But liquidity may remain in Rs. 5–6 crore range.

You will be financially independent with careful withdrawals.

Start shifting risky investments 2–3 years before retirement.

Build 3 years of retirement expenses in liquid funds.

Reduce real estate dependency at retirement.

Avoid depending on property sale post-60.

Estate Planning and Family Security

Create a Will. It must be registered.

Nominate correctly across all investments.

Share investment tracker with your spouse.

Keep insurance updated for you and family.

Keep enough emergency money till retirement.

Avoid joint property beyond two names.

Don’t mix family loans with assets.

Tax Planning and Tracking

Monitor equity mutual fund gains under new tax rules.

Equity LTCG over Rs. 1.25 lakh taxed at 12.5%.

Short term equity gains taxed at 20%.

Debt fund gains taxed as per income slab.

Avoid churning just to book profits.

Review every March for tax-saving opportunities.

Finally

You are creating wealth across all asset classes.

Your habits show commitment and vision.

Don’t let property pressure affect equity goals.

Keep SIPs running till retirement.

ULIP maturity should be reinvested, not spent.

Don't increase gold or direct equity beyond limit.

A Certified Financial Planner can help rebalance every year.

With patience and discipline, you will retire strong.

Emotional buying in real estate may derail long-term growth.

Your biggest wealth is your investment discipline.

Stay focused. Wealth is already building silently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment