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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 16, 2022

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Question by Shantanu on Nov 16, 2022Hindi

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I am 38 years old from Mumbai. I would like to build a corpus of Rs. 5 crore in the next 12 years. My current corpus has already grown to Rs. 30 lakh with the below ongoing MFs.

1. Axis Midcap Fund - 10,000
2. Kotak Equity Opportunities Fund - 10,000
3. PGIM India Felxicap Fund - 10,000
4. SBI Flexicap Fund - 15,000
5. UTI Flexicap Fund - 20,000
6. Nippon India Smallcap Fund - 5,000

Will the above help to achieve my goal or are any changes required?

Ans: Corpus of 30 lakh and SIP of 70,000 can create a corpus of 3.6 cr

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Amod - Aug 08, 2022Hindi

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I want to create corpus of Rs 5 crores in next 15-20 years. I am currently 44 years old. I have following MF investments (all lump sum): DSP equity & bond fund- Rs 80,000.00 DSP Quant fund- Rs 20,000.00 DSP tax saver fund- Rs 500.00 Axis flexicap fund- Rs 25,000.00 Axis nifty 100index fund- Rs 20,000.00 Axis Floater fund- Rs 5,000.00 HDFC Hybrid Debt fund- Rs 80,000.00 ICICI divided yield fund- Rs 60,000.00 L&T Large and mid cap fund- Rs 55,000.00 Aditya Birla divided yield fund- Rs 5,000.00 Tata divided yield fund- Rs 15,000.00 Tata equity hybrid fund- Rs 18,000.00 I have SWP of total Rs 15,000 in few of the above funds. Advise me what needs to be done?

Ans: It would be advisable to use SIP or STP methods to accumulate corpus and let the power of compounding work.

A monthly investment of Rs 40,000 would be required for a corpus of Rs 5 crores in 20 years.

The funds that may be considered are as under:

HDFC Index Fund - Sensex Plan - Regular Plan - Growth
Samco Flexi Cap Fund - Regular Plan - Growth
UTI MNC Fund - Growth Plan
Parag Parikh Flexi Cap Fund- Regular Plan Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Amod - Aug 08, 2022Hindi

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Money

I want to create corpus of Rs 5 crores in next 15-20 years. I am currently 44 years old. I have following MF investments (all lump sum): DSP equity & bond fund- Rs 80,000.00 DSP Quant fund- Rs 20,000.00 DSP tax saver fund- Rs 500.00 Axis flexicap fund- Rs 25,000.00 Axis nifty 100index fund- Rs 20,000.00 Axis Floater fund- Rs 5,000.00 HDFC Hybrid Debt fund- Rs 80,000.00 ICICI divided yield fund- Rs 60,000.00 L&T Large and mid cap fund- Rs 55,000.00 Aditya Birla divided yield fund- Rs 5,000.00 Tata divided yield fund- Rs 15,000.00 Tata equity hybrid fund- Rs 18,000.00 I have SWP of total Rs 15,000 in few of the above funds. Advise me what needs to be done?

Ans: It would be advisable to use SIP or STP methods to accumulate corpus and let the power of compounding work.

A monthly investment of Rs 40,000 would be required for a corpus of Rs 5 crores in 20 years.

The funds that may be considered are as under:

HDFC Index Fund - Sensex Plan - Regular Plan - Growth
Samco Flexi Cap Fund - Regular Plan - Growth
UTI MNC Fund - Growth Plan
Parag Parikh Flexi Cap Fund- Regular Plan Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Amod - Aug 08, 2022Hindi

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Money

I want to create corpus of Rs 5 crores in next 15-20 years. I am currently 44 years old. I have following MF investments (all lump sum): DSP equity & bond fund- Rs 80,000.00 DSP Quant fund- Rs 20,000.00 DSP tax saver fund- Rs 500.00 Axis flexicap fund- Rs 25,000.00 Axis nifty 100index fund- Rs 20,000.00 Axis Floater fund- Rs 5,000.00 HDFC Hybrid Debt fund- Rs 80,000.00 ICICI divided yield fund- Rs 60,000.00 L&T Large and mid cap fund- Rs 55,000.00 Aditya Birla divided yield fund- Rs 5,000.00 Tata divided yield fund- Rs 15,000.00 Tata equity hybrid fund- Rs 18,000.00 I have SWP of total Rs 15,000 in few of the above funds. Advise me what needs to be done?

Ans: It would be advisable to use SIP or STP methods to accumulate corpus and let the power of compounding work.

A monthly investment of Rs 40,000 would be required for a corpus of Rs 5 crores in 20 years.

The funds that may be considered are as under:

HDFC Index Fund - Sensex Plan - Regular Plan - Growth
Samco Flexi Cap Fund - Regular Plan - Growth
UTI MNC Fund - Growth Plan
Parag Parikh Flexi Cap Fund- Regular Plan Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 07, 2022

Question by Gopalakrishna - Dec 07, 2022Hindi

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I am 41 year old working in the software industry. I have no liabilities and I started investing in MFs for the last 4 years. I have a corpus of 10 lakh till now. My current portfolio is: ICICI PRUDENTIAL EQUITY AND DEBT FUND - GROWTH: 10,000.00 HDFC BALANCE ADVANTAGE FUND - REGULAR PLAN - GROWTH: 10,000.00 ICICI PRUDENTIAL BLUECHIP FUND - GROWTH: 10,000.00 SBI LARGE AND MIDCAP FUND REGULAR GROWTH: 10,000.00 Canara Robeco Flexicap Fund Regular GROWTH: 10,000.00 Mirae Asset Emerging Bluechip Fund - Regular Plan GROWTH Option: 2,500.00 AXIS MIDCAP FUND - GROWTH: 2,000.00 Mirae Asset Large Cap Fund GROWTH Plan: 2,000.00 I also contribute 29,000 per month towards EPF and 17,000 per month towards NPS. My Question is, are the above funds fine? How much corpus will I create in 15 years?

Ans: Funds are good, with monthly investment of 56500, the corpus that can created in 15 years is 3.1 cr

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Mar 18, 2023

Question by girish - Feb 14, 2023Hindi

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Good afternoon. I want to create of corpus of 2 crores in 10 years. Presently I have a corpus of 5 lakhs in these mutual funds where I invest monthly 12000/- as follows: Franklin India Smaller Companies Fund - 2000/- HDFC Mid-Cap Opportunities Fund - Regular Plan - 2000/- HDFC Small Cap Fund - Direct Growth Plan -2000/- Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth -2000/- SBI Blue Chip Fund - Regular Plan Growth -4000/- Please suggest the changes to be made to reach my target. Thank you.

Ans: Hello Girish. Your portfolio report is in good shape. From your current 12k sips per month, I would suggest increasing it to 60-70k sips per month to achieve the corpus of 2 Cr in 10 years. A better peer group scheme should be considered instead of the Small cap category schemes i.e. Franklin and HDFC. For your future investment, you may include Multicap category in your portfolio.

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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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