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Can I build a 5 crore corpus by 60 with a 40 lakh investment?

Milind

Milind Vadjikar  |800 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 14, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Oct 12, 2024Hindi
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Hello Sir, I'm 44 years of age and want to plan for creating a corpus of 5 Cr by age of 60. I have 40L lying in savings which I want to invest in MFs and start with Monthly SIP as well apart from this. At 60 I'm looking to start a SWP, in regards to this could you please suggest which MFs should I invest in to achieve this goal and how should I diversify SIP and lumpsum investments? Thank you!!

Ans: Hello;

Please deploy the 40 L staggered over 6 months in pure equity mutual funds.

Also start a monthly sip of 40 K for 16 years.

You may allocate sip and lumpsum as follows:
1. Flexicap type mutual fund for eg. PPFAS flexicap fund[G] (25%)

2. Large and Midcap type mutual fund for eg. Kotak equity opportunities fund[G] (25%)

3. Midcap type mutual fund for eg. Nippon India Growth fund[G] (25%)

4. Smallcap type mutual fund for eg SBI small cap fund [G] (12.5%)

5. Thematic type mutual fund for eg Tata Digital fund[G] (12.5%)

Funds recommended are in top quartile in terms of performance in their respective category.

Both sip and lumpsum investments will yield you a corpus of 5 Cr+, 16 years from now, as desired.

After 55 you need to transfer your gains to liquid or ultra short duration debt funds to protect it against market volatility.

After retirement you move your corpus to conservative hybrid debt type mutual fund for eg. Kotak debt hybrid fund and do an SWP at the rate of 3% annually you may expect a monthly income of 1.25 L(pre-tax).

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.
Asked on - Oct 16, 2024 | Answered on Oct 16, 2024
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Thank you for the advice sir, greatly appreciated !
Ans: You are most welcome!!
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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Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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I am 42 years salaried person investing in MF through SIP from 2014 current corpus is 37 Lakhs in MF. My Current SIP's amount is rs 22000 PM as follows- 1. Nippon Small cap - 2000, 2. Mahindra manulife midcap fund - 7000, Mahindra Manulife Small cap - 4000, PGIM Midcap opportunities Fund - 3000, Quant Flexicap fund - 6000. SIP increasing every year by 5% to 10% No Home loan, term insurance 55 lakhs, medi-claim 10 lakhs, PF & VPF accumulation Rs 16 lakhs. I want to create a good corpus of Rs 6 - 7crore for retirement at 58 years of age. Please suggest if any change required in investment amount or funds.
Ans: It's commendable that you've been consistently investing in mutual funds through SIPs for several years, laying a strong foundation for your retirement. Let's evaluate your current investment strategy and make adjustments to align with your retirement goal.

Your portfolio reflects a diversified mix of small-cap, mid-cap, and flexi-cap funds, which offer growth potential over the long term. However, given your goal of building a substantial corpus for retirement, we may need to reassess your asset allocation and make some adjustments.

Firstly, let's review your SIP amounts and consider increasing them gradually to accelerate wealth accumulation. Since your SIPs increase by 5% to 10% annually, this incremental growth can boost your investment corpus significantly over time.

Consider reallocating some of your SIP amounts to funds with a proven track record of consistent performance and lower volatility. While small-cap and mid-cap funds can offer higher returns, they also come with increased risk. Diversifying across large-cap funds or balanced funds can provide stability to your portfolio.

Moreover, review your overall asset allocation to ensure it remains aligned with your risk tolerance and investment objectives. While equity investments offer growth potential, it's essential to balance them with fixed-income securities like debt funds or PPF to mitigate risk.

Given your age and retirement horizon, periodically reassess your investment strategy and make necessary adjustments to stay on track towards your goal. Consider consulting with a Certified Financial Planner to develop a personalized retirement plan tailored to your needs and aspirations.

In conclusion, by fine-tuning your investment strategy, increasing your SIP amounts, and maintaining a disciplined approach, you can work towards achieving your retirement goal of building a corpus of Rs 6 - 7 crores by the age of 58.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

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Hello Sir, I'm 44 years of age and want to plan for creating a corpus of 5 Cr by age of 60. I have 40L lying in savings which I'm thinking to invest lumpsum in MFs and start with Monthly SIP as well apart from this. At 60 I'm looking to start a SWP, in regards to this could you please suggest which MFs should I invest in to achieve this goal and how should I diversify SIP and lumpsum investments? Thank you!
Ans: At age 44, you have a clear goal of creating a corpus of Rs. 5 crore by the time you turn 60. With Rs. 40 lakh available for lumpsum investment and plans to start a SIP, you are on the right path. Achieving this goal in 16 years requires a strategic mix of investments, combining both equity and debt for growth and stability.

Let’s break down how you can achieve this goal.



Lumpsum Investment Strategy

Since you have Rs. 40 lakh for a lumpsum investment, it’s crucial to diversify it effectively. A balanced approach between equity and debt will help you manage risk while still aiming for high returns.

Equity-Oriented Funds: Equity funds should form a significant portion of your lumpsum. They offer higher growth potential over the long term. You can consider funds that invest in a mix of large-cap, mid-cap, and flexi-cap stocks. These funds give exposure to both stability and growth.

Debt-Oriented Funds: Allocating a portion to debt-oriented funds will provide stability to your portfolio. These funds are less volatile and will act as a cushion in case of market downturns. A mix of corporate bond funds, dynamic bond funds, and short-duration funds could work well here.

Hybrid Funds: To strike a balance between equity and debt, hybrid funds can be a good option. These funds offer a blend of both asset classes, providing moderate risk with decent returns.

Suggested Allocation:

60%-70% in equity-oriented funds
20%-30% in debt-oriented funds
10%-20% in hybrid funds
This allocation will give you growth while managing risk.



Systematic Investment Plan (SIP) Strategy

Starting a SIP alongside your lumpsum investment will help you continue building your corpus steadily. SIPs allow you to invest monthly and take advantage of rupee cost averaging.

Focus on Equity Funds: Since you have a long-term horizon of 16 years, equity funds should dominate your SIP portfolio. Equity mutual funds historically offer higher returns over the long term. You can choose a combination of large-cap, mid-cap, and flexi-cap funds for diversification.

Diversify Across Sectors: Consider diversifying across different sectors such as technology, healthcare, and consumption. This reduces the risk associated with any one sector underperforming.

Debt Allocation in SIP: While equity will drive growth, a small allocation to debt in your SIP will provide stability. This becomes more important as you near retirement.

Suggested SIP Allocation:

70%-80% in equity funds
10%-20% in sector-specific funds
10%-20% in debt funds
The SIP amount you choose should depend on how much additional savings you can comfortably invest each month. As you increase your savings, you can also increase your SIP contribution.



SWP Planning for Retirement

At age 60, when you plan to start a Systematic Withdrawal Plan (SWP), your strategy should shift to preserving the corpus while generating regular income. The goal is to ensure your Rs. 5 crore corpus continues to grow, even as you withdraw monthly amounts.

Balanced Funds for SWP: A balanced or hybrid fund is ideal for SWP. It provides regular income while the remaining corpus stays invested and grows. The equity portion will drive growth, while the debt portion ensures stability for regular withdrawals.

Moderate Withdrawal Rate: To ensure your corpus lasts through your retirement, consider withdrawing around 5% to 6% annually. For example, if you have Rs. 5 crore, you can safely withdraw Rs. 20-25 lakh per year, or Rs. 1.6-2 lakh per month.

Rebalancing Post-Retirement: After starting the SWP, regularly review your portfolio. As your needs evolve, you may need to adjust your withdrawal rate or shift more funds into debt for greater security.



The Importance of Actively Managed Funds

You’ve chosen to invest in mutual funds, and that’s a wise decision. Actively managed funds have distinct advantages over index funds, especially for long-term goals like retirement.

Flexibility: Fund managers of actively managed funds can shift investments based on market conditions. This can protect your investments during downturns.

Higher Returns: Actively managed funds have the potential to outperform the market. While index funds merely track the market, actively managed funds aim to beat it, which can be crucial when you have a target corpus in mind.

Risk Management: Active fund managers can limit exposure to high-risk sectors when needed, helping protect your corpus from extreme volatility.



Regular Funds vs Direct Funds

While direct funds come with lower expense ratios, regular funds offer key benefits that are often overlooked. Investing through a Certified Financial Planner (CFP) can give you the advantage of professional advice and ongoing portfolio management.

Professional Guidance: A CFP can help you adjust your portfolio as your financial situation and goals change. With direct funds, you won’t have this personalized support.

Continuous Monitoring: Regular funds come with built-in portfolio monitoring. A financial expert will make necessary adjustments, so you don’t have to actively manage your investments.

Focus on Long-Term Strategy: Having a professional manage your investments ensures that your long-term goals, like building a retirement corpus, are consistently prioritized.



Taxation Rules for Mutual Funds

It’s important to be aware of the taxation rules that apply to your mutual fund investments, especially when you are looking at both lumpsum and SIP investments.

Equity Funds: Long-term capital gains (LTCG) from equity mutual funds are taxed at 12.5% for gains above Rs. 1.25 lakh annually. Short-term capital gains (STCG) are taxed at 20%.

Debt Funds: For debt mutual funds, both LTCG and STCG are taxed according to your income tax slab. This can have a significant impact on your returns, so it’s essential to factor this into your withdrawal strategy.

By keeping track of these tax rules, you can minimize your tax burden and maximize your returns.



Final Insights

At 44, you have a great opportunity to build a Rs. 5 crore corpus by 60. Your plan to invest Rs. 40 lakh lumpsum and start a SIP is a smart move. Here’s a summary of what you should focus on:

Invest the Rs. 40 lakh in a diversified portfolio with a mix of equity, debt, and hybrid funds.

Start a SIP with a focus on equity funds, with some allocation to debt for stability.

When you reach 60, switch to an SWP strategy with a balanced fund and a moderate withdrawal rate of 5%-6%.

Actively managed funds offer flexibility, risk management, and higher return potential, making them a better choice over index funds.

Consider using regular funds through a Certified Financial Planner for ongoing portfolio management and adjustments.

By following this strategy and regularly reviewing your investments, you can achieve your goal of building a Rs. 5 crore corpus and enjoy a secure retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
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Asked by Anonymous - Dec 25, 2024
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Asked by Anonymous - Dec 23, 2024Hindi
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You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

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Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

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Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
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Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
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Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
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Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
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3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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