Below are the details of my portfolio. I need your assessment if I am on track.

Name of funds:

Mirae Asset Large Cap fund - Monthly SIP INR 4000/- since Jan 2020.

Current value INR 80896/-

Axis Bluechip fund - Monthly SIP INR 2000/- since Jan 2020.

Current value INR 36547/-

Tata India Tax Savings fund - Monthly SIP INR 2000/- since July 2017.

Current value INR 1.23 lakh/-

Kotak Flexi Cap fund - Monthly SIP INR 2000/- since Jan 2020.

Current value INR 32652/-

Parag Parikh Flexi Cap fund - Monthly SIP INR 2000/- since Feb 2021.

Current value INR 6292/-

Besides that, I invest in below as well:

Sukanya Samriddhi Yojana - INR 12500/- monthly since 2020.

NPS - INR 12500/- in Tier 1 since 2014 & INR 12500/- in Tier 2 since 2021

FD - INR 20 lakhs since Jan, 2019 @ 5.25% interest.

Goals:

1- Daughter’s higher education:

17 years away, Amount needed around 1 crore

2- Daughter’s marriage:

26 years away, Amount needed around 1.2 crore

3- Retirement:

31 years away, Amount needed around 8 crore

Ans: Funds are good, however with current Investments 1 and 2nd Goal can be achieved, however to achieve 3 additional Investment is required.

i.e. for 1 crs in 17 years , Investment required is Rs. 15,000 per month

for 1.2 crs in 26 years, additional Investment requirement is Rs. 4000 per month

For Retirement 8 crs in 31 years, additional Investment required is Rs. 16,000 per month

Therefore total monthly investment required to achieve all targets are Rs. 35000 per month

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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Discuss future financial plans with your son.

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