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35-Year-Old Investor Seeks Portfolio Advice for Long-Term Goals

Milind Vadjikar |1087 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 05, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Deepesh on Mar 05, 2025Hindi

I am 35 years old & investing for 15-20 year in the following mutual funds : (1) Nippon India Large Cap Fund -4000 (2) Canara Robeco Emerging Equities -4000 (3) Parag Parikh Flexi Cap Fund -4000 (4) Motilal Oswal Elss Tax Saver Fund -4000 (5) Kotak Small Cap Fund -4000 [Monthly SIP] & (1) Mirae Asset Large Cap Fund -1.5 lac (2) SBI Focused Equity Fund -1.5 [lumsum]. Investing 5000 in PPF & 10000 in NPS monthly, increasing every year. My goal is to build corpus for my house, children edu. marriage (2-3Cr) and retirement purpose (5-6Cr) etc. Please review my portfolio. how many fund strictly should be added or exit from my portfolio ?

Ans: Hello;

Your lumpsum (3 L), monthly sip(20 K) and PPF (5 K/pm) may grow into a sum of 2 Cr in 20 years from now onwards, which goes towards your first goal.

While the NPS monthly contribution (10 K) towards retirement goal is significantly lower to fulfill target (5-6 Cr).

You may take either of following steps to enhance chances of building desired retirement corpus (5-6 Cr) by 60 years.

Monthly contribution to NPS should be increased to 60 K.

Start another monthly sip for 40 K for 25 years towards retirement goal fulfillment.

Returns assumed from various investments:
Mutual funds: 10%
PPF: 7%
NPS: 8%
These are purposely considered to be on moderate side.

Coming to your portfolio, I am assuming you are okay with an aggressive risk profile for 15-20 year horizon.

You may have following fund types and allocation:

Flexicap type mutual fund: 25%
Large cap type mutual fund: 25%
Multicap type mutual fund: 25%
ELSS or Value Fund: 25%

You already have 3 of the 4 fund types mentioned above. You may continue with them but review their performance annually.

For the multicap fund type you may select any fund from the top quartile in this category.

For the 40 K sip recommended for your retirement planning, you may continue with above fund types with 20% allocation and add one thematic fund from new technology sector for balance 20%.

Reiterating that this recommendation is assuming aggressive risk profile.

If your risk appetite is different then you may consult an MFD for suitable changes.

Best wishes;
X: @mars_invest

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