Hi Gurus, I am a 27 years old and will get married next month. I don't not foresee having children. My parents are working and will retire in the next 2 years one of whom will be drawing pension post retirement. Post marriage my fiance and I will be bringing home in hand salary of 1,50,000 per month. What should be my investment goals in order to accumulate Rs.10 cr. in the next 25 years.

Ans: Congratulations on your upcoming wedding! Here's a roadmap to help you and your fiance accumulate Rs. 10 crore in the next 25 years, considering your combined monthly income of Rs. 1,50,000:

1. Calculate the Required Monthly Investment:

To accumulate Rs. 10 crore in 25 years, you'll need to consider factors like inflation and potential returns. Let's assume an estimated annual return rate of 12% (consult a financial advisor for a personalized estimate). You can use an online investment calculator to get a more precise figure.
Using a financial calculator or spreadsheet with an assumed 12% annual return rate and a 25-year investment horizon, a monthly investment of approximately Rs. 33,333 would be needed.
2. Factor in Your Expenses:

Discuss your monthly expenses with your fiance and estimate your post-marriage living costs. This will help determine how much you can realistically invest each month.
3. Set SMART Investment Goals:

Specific: Clearly define your goal of accumulating Rs. 10 crore.
Measurable: Track your progress regularly to stay motivated.
Attainable: Consider your income, expenses, and risk tolerance. Rs. 33,333 per month might need adjustment based on your expenses.
Relevant: Align your goal with your future needs (retirement, vacation home, etc.).
Time-bound: Give yourselves a 25-year timeframe.
4. Investment Strategy:

Given your long-term horizon (25 years), a combination of equity and debt instruments is recommended for potential growth and stability. Here's a sample allocation you can discuss with a financial advisor:
Equity Mutual Funds (60%): Invest in a mix of large-cap and multi-cap equity funds to potentially benefit from market growth over the long term. Consider a Systematic Investment Plan (SIP) for rupee-cost averaging.
Debt Mutual Funds (40%): Invest in debt funds like short-term or income funds to provide stability and regular income. This can act as a buffer against market volatility.
5. Additional Tips:

Increase Investment Over Time: As your income grows, try to increase your monthly SIP amount to reach your goal faster.
Employer-Sponsored Retirement Plans: If either of you has access to employer-sponsored retirement plans, contribute as much as possible to benefit from any employer matching contributions.
Emergency Fund: Build an emergency fund with 3-6 months of living expenses to cover unexpected costs. You can park this in a liquid instrument like a savings account or short-term debt fund.
Review and Rebalance: Regularly review your portfolio performance (at least annually) and rebalance if needed to maintain your desired asset allocation (60% equity, 40% debt).
Consult a Certified Financial Planner (CFP):

A CFP can consider your specific financial situation, risk tolerance, and goals to create a personalized investment plan tailored to your needs. They can also help you refine your investment strategy, including the asset allocation and specific mutual funds based on your risk profile.
By following these steps, setting realistic goals, and staying disciplined with your investments, you and your fiance can increase your chances of achieving your target corpus of Rs. 10 crore in 25 years. Remember, this is a long-term plan, and there will be market fluctuations. Stay invested for the long term and be patient.