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Ramalingam Kalirajan |8291 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by Nagendra on May 09, 2024Hindi

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I am 27 years old .i want to have retirement corpus of 3 crore at age of 50. I can invest 25000 monthly. Suggest me some sip to invest in for span of 20 years with bit of low to moderate risk ? Thank u advance

Ans: Starting your retirement planning at 27 with a goal of Rs. 3 crore at 50 is fantastic! A monthly SIP (Systematic Investment Plan) of Rs. 25,000 for 23 years is a great way to grow your corpus. Let's explore some SIP options that can help you reach your target.

Low to Moderate Risk Strategy

Considering your 23-year investment horizon, a low to moderate risk strategy allows for some growth potential while managing risk. Here are some options to consider:

Diversified Equity Funds: Invest in a mix of large-cap, mid-cap, and small-cap stocks. This offers diversification and growth potential, with larger companies balancing the risk of smaller ones.
Flexi-Cap Funds: These funds can invest across market capitalizations, offering flexibility to the fund manager. This can help capture growth opportunities in different market segments.
Advantages of Investing Through a Mutual Fund Distributor (MFD):

Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.
Benefits of a CFP Professional

A Certified Financial Planner (CFP) professional can provide a personalized plan. They can help you:

Calculate Retirement Corpus: Determine the exact investment amount needed based on your desired retirement lifestyle.
Choose Right SIPs: Select a diversified portfolio of actively managed SIPs that aligns with your risk tolerance and goals.
Review & Rebalance: Regularly monitor your portfolio performance and rebalance periodically to maintain your asset allocation.
Remember:

Market fluctuations can impact your returns. However, starting early, investing regularly, and choosing a low to moderate risk strategy are all positive steps towards your Rs. 3 crore goal.

Next Steps:

Consider consulting a CFP professional for a detailed plan.
They can assess your risk profile and suggest suitable SIP options.
Be patient and disciplined with your investments.
Starting early gives your money time to grow through the power of compounding!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.