I am 47 years and have my wife and three children Want to invest 5 lac monthly on mutual fund What is the expected amount of return in the next 10 years and 15 years and 20 years

Ans: That's a great question about mutual fund returns. Choosing mutual funds for your investments is a smart way to grow your money. Let's break down what you need to know.

Mutual Fund Return Reliance

The average annual return of a mutual fund can vary depending on the fund's investment strategy. Some funds focus on aggressive growth, aiming for high returns but with more risk. Others prioritize stability, offering lower but more consistent returns.

Here's a range to consider:

Equity Funds: These can aim for 10-15% annual returns, but remember, past performance isn't a guarantee of future results.
Your Equity Investment Plan

Rs. 17,000 monthly towards equity mutual funds is a fantastic way to save for your future! It shows real discipline. Here are some key points to consider:

Time Horizon: How long are you investing for? Longer timeframes allow for riding out market ups and downs, potentially leading to higher returns.
Actively Managed Advantage

Actively managed funds have professional fund managers who make investment decisions to try and outperform the market. This approach can be beneficial compared to passively managed funds, which simply mirror an index.

Benefits of Regular Funds with a CFP

While direct plans offer a lower expense ratio, regular plans with a Certified Financial Planner (CFP) professional can provide valuable guidance. A CFP can help you:

Choose the Right Funds: Select funds that align with your risk tolerance and goals.
Stay Invested: Navigate market fluctuations and keep you on track.
Review and Rebalance: Regularly assess your portfolio and make adjustments as needed.
Next Steps

By understanding mutual fund returns and how they fit your investment plan, you can make informed decisions. A CFP can be a great partner in your financial journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in