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Dev Ashish  | Answer  |Ask -

MF Expert, Financial Planner - Answered on Jul 08, 2024

Dev Ashish is a fee-only SEBI-registered investment advisor with over 15 years of active experience in the stock market. In 2011, he founded StableInvestor, a platform for personal finance and financial planning.
He provides professional fee-only investment advisory services to small and high networth individuals in order to help them achieve their financial goals.
Ashish's views are regularly published in national business publications. He has an MBA degree from NMIMS, Mumbai and also holds an engineering degree.... more
Asked by Anonymous - Jul 08, 2024Hindi
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I am 28 years old unmarried currently holding salary of 64000 & investing 2000 in less & 500 in small cap fund..How much more investment required to secure future and generate a corpus of 4cr till 2044

Ans: For a target of Rs 4 Crore in the next 20 years, you need to invest about Rs 30-38,000 monthly assuming average returns of 10-12% per annum and that you will be able to increase your monthly investments by at least 5% each year in line with income/salary growth.

So given that you are investing about Rs 2500 in mutual funds each month right now, you will have to significantly increase this monthly contribution amount if you want to reach your target corpus.

We don't have information about your risk appetite. But assuming that it is at least moderately aggressive, then, you can start investing in a combination of largecap index funds, flexicap/large&midcap funds, midcap funds, etc.

Thanks
Dev Ashish,
SEBI Registered Investment Advisor (Fee-Only RIA)
Founder, StableInvestor.com
Twitter (@Stableinvestor)

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. The views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.
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.
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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - May 06, 2024Hindi
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Iam 45 years of age i have sip of 22000 and total corpus is 49 lac till date my Target is 3 Crore by 2036 how much more should I invest to achieve my Target
Ans: It's great that you're planning ahead for your financial future. To determine how much more you need to invest to reach your target of 3 Crore by 2036, we'll need to consider several factors:

Investment Horizon: You mentioned that your target is to reach 3 Crore by 2036. This gives us a timeline of 15 years from now.
Expected Returns: While historical returns can give an indication, it's essential to be realistic about future returns. Depending on the asset allocation of your investments, you can estimate an average annual return.
SIP Contribution: You're currently investing 22,000 per month through SIPs, which is a good start. We'll need to calculate how much additional monthly investment is required to reach your target.
Inflation: Consider the impact of inflation on your target amount. Adjusting for inflation will ensure that your target amount maintains its purchasing power over time.
Review and Adjust: Regularly review your investment portfolio and adjust your contributions if necessary based on changes in your financial situation, market conditions, and progress towards your goal.
Without specific details about your current SIP investments, expected returns, and inflation rate, it's challenging to provide an exact figure for additional investment required. However, you can use online SIP calculators or consult with a financial advisor to determine the optimal investment amount to reach your target.

Remember, achieving long-term financial goals requires consistency, patience, and disciplined investing. Stay focused on your objectives, monitor your progress regularly, and make adjustments as needed to stay on track towards your target.

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Ramalingam

Ramalingam Kalirajan  |7466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I am 54 yrs old & i have currently 3 SIP's 0f 5000 1) Aditya birla SL small cap fund Reg(G) 2) HSBC small cap fund Reg (G) 3) Mirae asset large and midcap fund reg (G) and Fix in MF 250000 each in Kotak flexi cap fund Reg (G) and Mirae asset large cap fund Reg (G) from last 6yrs 3 months. Also My wife SIP is 10000/month in 1) ICICI Pru MidCap F(G) 2) Mahindra Manulife small Cap F Reg (G) 3) Motilal Oswal Large and Mid cap fund Reg(G) 4) Nippon india Multi cap Fund (G) from last 6 months. I want to 1.2 to 1.5 crore in next 5 yrs. How much investment required to achieve the corpus.
Ans: It's commendable that you and your wife have taken proactive steps towards securing your financial future through systematic investment plans (SIPs) and fixed investments in mutual funds. Let's formulate a strategic plan to achieve your desired corpus of 1.2 to 1.5 crores within the next 5 years.

Assessing Current Investments
Evaluation of SIPs:

Analyze the performance of your current SIPs in small-cap, mid-cap, and large-cap funds to ensure they align with your risk appetite and return expectations.
Review the consistency of fund performance, expense ratios, and fund manager expertise to gauge the suitability of these investments for achieving your financial goals.
Fixed Investments in Mutual Funds:

Assess the performance of your fixed investments in flexi-cap and large-cap funds over the past 6 years and 3 months.
Consider the fund's track record, investment style, and portfolio composition to determine their potential to contribute towards your desired corpus.
Review of Wife's SIPs:

Evaluate the suitability of your wife's SIPs in mid-cap, small-cap, large & mid-cap, and multi-cap funds based on their risk-return profile and investment objectives.
Ensure that the chosen funds complement your overall investment strategy and align with your joint financial goals.
Calculating Required Investment
Goal-Based Investment Calculation:

Calculate the required monthly investment amount based on the targeted corpus of 1.2 to 1.5 crores and the remaining investment horizon of 5 years.
Consider factors such as expected rate of return, inflation, and risk tolerance to arrive at a realistic investment target.
Systematic Increase in Investment:

Determine the incremental increase in SIP amounts and fixed investments required to bridge the gap between your current portfolio value and the desired corpus within the specified timeframe.
Ensure that the revised investment plan is feasible and sustainable within your financial capacity.
Adjusting Investment Strategy
Portfolio Rebalancing:

Consider reallocating your existing investments or introducing new funds to diversify your portfolio and optimize returns.
Monitor the performance of your investments regularly and make necessary adjustments to maintain alignment with your financial goals.
Risk Management:

Mitigate risk by diversifying across different asset classes, market capitalizations, and investment styles.
Review your asset allocation periodically to ensure that it reflects changes in market conditions and your evolving risk tolerance.
Conclusion
By conducting a thorough assessment of your current investments and recalibrating your investment strategy to align with your financial goals, you can work towards achieving your target corpus of 1.2 to 1.5 crores within the next 5 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Kanchan

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Relationships Expert, Mind Coach - Answered on Jan 08, 2025

Asked by Anonymous - Jan 06, 2025Hindi
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Me married from last 5years. But from last 10months me and my wife having disputes. Any reason
Ans: One possibility is communication breakdown. Over time, couples may fall into patterns where they no longer communicate as openly or effectively as they once did. Misunderstandings, unmet expectations, or unspoken feelings can lead to tension and disputes. It’s important to reflect on whether you both are expressing your thoughts and emotions clearly and listening to each other with empathy.

Another potential factor could be unmet needs or changes in individual priorities. As people grow and evolve, their needs, desires, and priorities may shift. If these changes are not acknowledged or discussed, it can create friction. Consider whether you or your wife feel that certain emotional, physical, or practical needs are not being met.

Stress from external factors, such as work, finances, or family issues, can also spill over into the relationship. If either of you is experiencing significant stress, it might contribute to increased irritability or conflict. Identifying these stressors and finding ways to manage them together can be helpful.

Changes in intimacy or connection can also lead to disputes. Emotional or physical intimacy might wane due to various reasons, such as busy schedules, health issues, or unresolved conflicts. It’s important to nurture the bond and find ways to reconnect.

Lastly, unresolved past issues can resurface and cause ongoing disputes. If there are lingering resentments or unresolved conflicts, they might continue to affect the relationship. It’s crucial to address these issues constructively, possibly with the help of a couples counselor if needed.

Reflecting on these areas and having open, honest conversations with your wife can help you both understand the root causes of your disputes. Working together to rebuild communication, connection, and trust can guide you toward a healthier, more harmonious relationship.

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Relationships Expert, Mind Coach - Answered on Jan 08, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Im married from last 3 months and we are from very conservative family. My wife and i never met before marriage and after marriage i asked her she had relationship before marriage but she denied. But after 3 months i received a call from her ex that she had relationship with him he had physical relationship with her atleast for 5 years straight and she had 2 bf before him too what should i do now with this information?
Ans: allow yourself to process your feelings. It's normal to feel a range of emotions—shock, hurt, confusion, or even betrayal. Give yourself the space to sit with these emotions without rushing to any immediate decisions or confrontations.

Consider the source of this information. An ex-partner might have motives that are not aligned with the best interests of your marriage. It's crucial to evaluate the credibility of the information and not act solely on a third-party account.

Open, honest communication with your wife is key. Instead of approaching the conversation with accusations, try to express your feelings and concerns calmly. Let her share her perspective and feelings. This conversation is not just about the past, but about building trust and understanding in your relationship moving forward.

Reflect on the importance of your wife's past in the context of your marriage. Everyone has a history, and it's essential to consider how much weight you want to place on past relationships versus the present and future you are building together. Focus on your current connection, values, and shared goals.

If this information continues to weigh heavily on you, consider seeking professional support. A couples counselor can provide a safe space to explore these feelings and help you both navigate this challenge. Counseling can also strengthen your communication, trust, and emotional intimacy.

Ultimately, the decision on how to move forward lies with you both. Reflect on the foundation of your relationship, your shared values, and your vision for the future. It's about understanding, forgiveness, and whether you both are committed to growing together despite the challenges.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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