Dear sir, This is Capt. Samir Kukreja. I have started investing 35k per month from this month in SIP format (monthly) 1) DSP-Global innovation FOF-Reg fund -G -3000 Sip 2)WHITEOAK flexi cap reg fund- 3000 SIP CANARA REBECCO-3000 SIP 3) HDFC Business fund- 200000 LUMPSUM(one time) 4)HDFC top 30 fund - 3000 SIP 5)Aditya Birla frontline equity fund - 3000 SIP 6)DSP small cap fund- 5000 7)HDFC small cap fund- 5000 8)Merai asset large cap fund-5000 9)ICICI prudential Blue chip fund-5000 All of the above are regular growth plans. Kindly advise as to what would be my corpus after 10-12 yrs from now

Ans: 22 lakh can grow up to 70 to 80 lakh in 10 years.

A SIP of Rs. 26 k can create a corpus of Rs. 70 lakh in 10 years

Therefore, total corpus that can get created is Rs. 1.4 to Rs. 1.5 cr

Ans: To calculate your corpus in 7 to 8 years down the line, we need to make some assumptions:

• Investment amount: 35k per month
• Existing Investments : Rs.1.09 Crore
• Investment horizon: 7 to 8 years
• Expected return: 12% per annum

Using a compound interest calculator, we can calculate the following:
Corpus = Investment amount * (1 + Expected return) ^Investment horizon

You will accumulate around Rs.3.3 Crores approximately after 8 years

Note: These are just estimates, and the actual corpus may vary depending on the actual investment returns.

Tips to help you reach your goals:

• Continue to invest regularly. Even if you can only invest a small amount each month, it will add up over time.
• Rebalance your portfolio regularly. This means selling some of your winners and buying more of your losers to maintain your desired asset allocation.
• Don't panic sell. The market will inevitably go up and down, but don't let your emotions get the best of you. Stay focused on your long-term goals and don't sell your investments when the market is down.

Ans: MF's - Roughly 3.25 cr assuming 12% returns on the investment for the next 8 years.
VPF, PF, EPF is difficult to say as the rate keeps changing

Ans: It is really great to see that you have started to plan for your post-retirement life and you have accumulated ample amount till now.

If you continue in the same way with a monthly SIP of Rs. 80,000, I am convinced that you will have enough corpus to support yourself throughout retirement.

Accumulated corpus in 8 years with monthly investment of 80,000 and present value 1.09 Crore will likely be 4.12 Crores. Rate of return considered for the calculation is 12% CAGR.

Assuming that you want to maintain your current monthly expense of ₹1 lakh in retirement, it is important to factor in inflation, which will erode the value of your money over time.

Since you have other avenues as well to support your expenses, this will help to create a heftier corpus.

Recommendations:
• Invest in a mix of equity and debt mutual funds to diversify your portfolio and reduce risk.
• Rebalance your portfolio regularly to maintain your appropriate asset allocation as per your requirement.
• Consult with a financial advisor to develop a comprehensive retirement plan.