Hi sir am 33yrd old I have 20lak which I put in FD with interest rate of 7.5% is it ok or I have to change it for better return

Ans: Hello, as per my understanding you have zero risk appetite as per your past investing patterns
When setting expectations for the investments, we have to realistic and go as per our risk appetite and the duration we are investing for. If you are making 7% in FD and suddenly when you are expecting an investment to yield 15%, you are taking 100% more risk to achieve those returns.
So please get in touch with someone to guide you about investing and how to achieve 15% and how to set expectations of your investments
And yes Mutual Funds have given even higher returns compared to 15%, but it needs to be managed properly and with right guidance.

Remember that past performance is not a guarantee for future returns, and it's always important to review your investments periodically to ensure they remain aligned with your financial objectives.

Ans: Hi Srinivas,

The 7% return is a conservative estimate for post-retirement. Achieving 12-14% returns is possible but comes with higher risk. It's advisable to have a balanced approach.

Inflation wasn't considered in the initial calculation. For an inflation-adjusted plan, you need to increase the withdrawal amount annually to maintain purchasing power. Please consult a CFP one on one to get customised calculations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Invest in following funds in the percentage given:

ICICI Pru or Mirae Asset Large & Midcap fund: 30%
PPFAS flexicap fund: 30%
Nippon India Small cap fund: 10%
HDFC BAF: 20%
ICICI Pru Multi asset allocation fund:10%

You may do lumpsum investments in this proportion for your matured FD value of 50 L.

Be disciplined(for SIP) and review your portfolio every year. Don't believe on SM chatter and rumours. Let your investments decisions be fact based and objective without letting in any fear, favor or bias.

Happy Investing!!