sir I have invested Monthly since last 2years on the following Mutual funds
Rs6000 in HDFC Top 100, In Invesco global consumer Rs. 5000, DSP ELSS Rs5000,PGIM Mid cap opportunity fund Rs.5000 axis Mutual Fund special situation Rs.2000, Hdfc mid cap Rs.5000, Quant mid cap 10000, Icici Prudential Manufacturing Rs.5000,Tata Infrastructure Fund Rs.5000,Invesco India PSU fund Rs.5000,Motilal Oswal Large and mid cap fund rs.5000, sbi energy opportunity fund rs 5000, Tata Digital fund rs 5000, Hdfc defense fund rs 5000, after 10 years how much Total corpus I will get . I want to make 3cr in next 10 years corpus for this where I have to invest and how much
Ans: You are investing Rs.77,000 monthly across various mutual fund schemes.
You’ve completed 2 years. You plan to continue for 10 more years.
You want to know two key things:
How much corpus can you expect after 10 years?
How to reach your target of Rs.3 crores?
Let us explore this in detail with a professional and 360-degree view.
I’ll write this in a simple tone with short sentences, as per your guidance.
Let’s begin.
Your Current Investment Summary
You are investing Rs.77,000 monthly in mutual funds.
You’ve done this consistently for the last 2 years.
You’re planning to continue for another 10 years.
Your current SIPs are spread across large cap, mid cap, sectoral, ELSS and global funds.
That shows discipline and commitment. Appreciate your long-term vision.
This strategy gives long-term compounding benefit.
Diversification across sectors also helps reduce some risk.
But too many funds may reduce effectiveness.
Expected Corpus in 10 Years with Current SIPs
If you continue Rs.77,000 monthly for the next 10 years…
And assuming average returns around 11% to 12% per year…
Your total corpus may become between Rs.1.60 crores to Rs.1.75 crores.
This is over and above the Rs.20 lakhs already invested in the last 2 years.
Including the existing corpus, your total may reach Rs.2.10 to Rs.2.25 crores.
This is a good base, but still short of Rs.3 crore target.
There is a gap of about Rs.75 lakhs to Rs.90 lakhs.
That gap needs to be addressed carefully.
How Much More is Required to Reach Rs.3 Crores
You need to increase your monthly SIP.
Increasing SIP by Rs.20,000 to Rs.25,000 monthly can help bridge the gap.
Even a 10% annual SIP step-up can accelerate growth.
But it must be sustainable and consistent.
Avoid large fluctuations in SIP values every year.
Ideal SIP Amount to Target Rs.3 Crores
For a target of Rs.3 crores in 10 years…
You may need to invest about Rs.95,000 to Rs.1,00,000 monthly.
You are already investing Rs.77,000. So only Rs.18,000 to Rs.23,000 more is needed.
If income grows yearly, increase SIPs by 10% annually.
This method works better than one-time increase.
Gradual increase suits most investors mentally and financially.
Assessment of Fund Category Mix
Your current funds include many sectoral schemes.
Sector funds carry higher risk and volatility.
Overexposure to such funds may reduce consistency.
You also have multiple midcap funds.
While midcaps give growth, they can fall sharply in downturns.
A balanced mix of large cap, flexi cap, and mid cap is better.
You may reduce sectoral funds and focus more on diversified categories.
Suggestion: Trim the Number of Funds
You have more than 12 mutual fund schemes now.
This leads to portfolio overlap and confusion.
Fund performance becomes difficult to track.
Too many schemes also duplicate stocks.
Best is to keep only 5 to 7 well-selected schemes.
Choose those which consistently beat benchmarks over 5+ years.
Keep them from different categories for better balance.
Keep More in Diversified Equity Funds
Avoid high allocation to thematic or sector-specific funds.
Sectors like defence, infrastructure, digital, PSU are cyclical.
They don’t perform all the time.
For long-term wealth, diversified funds work better.
Flexi cap and multi-cap funds adapt better to market cycles.
You may retain 1 sectoral fund, but not more than that.
Over-diversification in sectors reduces stability.
Avoid Index Funds Completely
Index funds are passive. They copy market index.
They don’t aim to beat returns.
In India, active funds often outperform index funds.
Also, index funds fail in sideways or falling markets.
They don’t protect downside.
Expense ratio may be low, but so are returns.
With Certified Financial Planner and MFD, regular funds give better support.
Active funds have dynamic portfolio management.
Stick to Regular Mutual Funds Through MFDs and CFPs
Direct funds may seem cheaper. But they lack guidance.
Most investors make wrong entries and exits in direct funds.
They often get average or below-average returns.
With regular funds via MFD and CFP, advice is continuous.
Emotional handholding is equally important as returns.
CFPs also monitor rebalancing, asset allocation, and fund changes.
They help you stay on track in volatile markets.
Taxation of Mutual Funds Must Be Understood
Under new rules, equity fund LTCG above Rs.1.25 lakhs is taxed at 12.5%.
Short term gains (less than 1 year) taxed at 20%.
So, long holding period is good.
Avoid frequent switches or redemptions.
SIPs older than 1 year become tax efficient.
Maintain SIPs minimum 5 to 7 years for optimal results.
Strategy to Reach Rs.3 Crore in 10 Years
Increase SIP to Rs.95,000 to Rs.1 lakh monthly.
Stick to 5 to 7 diversified equity funds only.
Remove excess sectoral and overlapping schemes.
Add flexi cap, large and midcap, and ELSS for discipline.
Review performance once in a year with your CFP.
Step up SIPs by 10% annually, if income allows.
Reinvest all dividends and don’t withdraw midway.
Track fund consistency, not just recent returns.
Invest only through CFP-led MFD platforms for better behaviour tracking.
Avoid These Common Mistakes
Don’t stop SIPs in falling markets.
Don’t chase short-term top-performing funds.
Avoid direct mutual funds without proper tracking.
Don’t rely heavily on infrastructure, defence or PSU funds.
Don’t withdraw unless it’s an emergency.
Don’t compare portfolio with friends or relatives.
Monitor Investment Journey Yearly
Check corpus progress every 12 months.
Ensure you’re on track to Rs.3 crore.
Your CFP can use goal-tracking tools to assist.
Adjust funds if performance drops consistently.
Don’t panic over short-term falls.
Keep long-term mindset always.
Keep updating your KYC, FATCA, nominee details yearly.
Stay invested through all market cycles.
Behavioural Discipline is More Important Than Fund Selection
Even best fund can’t deliver if you stop SIPs halfway.
Behaviour matters more than timing or fund choice.
Investing monthly is already a big success.
Staying for 10 years multiplies your advantage.
Role of Emergency Fund and Insurance
Keep Rs.3 to Rs.6 lakhs as emergency fund.
Don’t touch mutual funds for short-term needs.
Have Rs.10 lakh health insurance and term insurance of Rs.1 crore minimum.
This protects your SIPs in emergencies.
Review insurance covers every 2 years.
Finally
You are already on a strong path with Rs.77,000 SIP.
Just increase it by Rs.20,000 monthly to target Rs.3 crores.
Avoid holding too many funds. Keep it focused and diversified.
Say no to index and direct funds.
Stick to regular plans with Certified Financial Planner support.
Remove excess sectoral allocation. Stay with core categories.
Review annually with your CFP. Adjust if needed.
Don’t lose focus in market corrections.
Rs.3 crores is very much achievable with these steps.
Stay consistent. Stay informed. Stay disciplined.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
