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Will I Achieve a 2 Crore Corpus by 2034 with My Current Mutual Fund SIP?

Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 05, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Samir Question by Samir on Oct 05, 2024Hindi
Money

Hello, This is Capt. Samir. I have invested in mutual funds and doing an SIP of 70k per month. Would like to know if the mutual funds that I have invested in are good to hold and the corpus that can be generated in the next 10 years. I am looking forward for a 2 cr corpus by 2034 from MF. Kindly advise if SIP needs to be increased to generate the said corpus. Mutual Funds DSP-Global innovation FOF-Reg fund -G -3000 Sip WHITEOAK flexi cap reg fund- 3000 SIP CANARA REBECCO Mid cap fund - 3000 SIP HDFC Business fund- 200000 LUMPSUM HDFC top 30 fund - 3000 SIP Aditya Birla frontline equity fund - 2 folios - 3000 SIP in one only DSP small cap fund- 5000 HDFC small cap fund- 5000 Merai asset large cap fund-5000 ICICI prudential Blue chip fund-5000 Canara Rebecco manufacturing fund Growth - 5000 Kotak focused equity fund -5000 JM midcap fund Growth - 5000 SBI ENERGY OPPORTUNITIES FUND - 400,000 LUMPSUM Kotak Multicap fund: 5000 ICICI PRU energy and fund: 5000 HDFC Nifty 200 momentum30 index fund- 10000 HSBC EXPORT OPPORTUNITIES FUND - 3L lumpsum Thanks Samir

Ans: It’s great to see that you are already investing consistently and have a target in mind. Your aim of generating Rs 2 crore by 2034 from mutual fund investments is achievable with a systematic approach. Let's break down your current investment strategy and assess whether any adjustments are needed to meet your goal.

Review of Your Existing SIPs and Lump Sum Investments
You are currently investing Rs 70,000 per month through SIPs and have made some lump-sum investments as well. Let's evaluate the funds you have chosen based on their category, diversification, and potential for long-term growth.

Global Innovation Fund: This fund gives you exposure to international markets, which helps diversify your portfolio. Keep an eye on global market trends, but this fund can add value if the global tech and innovation sectors grow.

Flexi Cap and Mid Cap Funds: Flexi Cap and Mid Cap funds offer a balance of growth potential and risk. They tend to outperform in the long run, but they also come with volatility. These funds are good to hold for a long-term horizon.

Lump Sum Investments in Sector-Specific Funds (Energy and Manufacturing): Sector-specific funds can be high-risk but may offer high returns if the sector performs well. The energy sector has potential but may be volatile due to factors like government policies, oil prices, and global energy trends. Manufacturing is more stable but less likely to deliver aggressive returns. Keep these funds for diversification, but be cautious.

Small Cap Funds: You have exposure to two small cap funds. While small cap funds can offer high returns, they come with high volatility. Keep in mind that small cap funds should ideally not exceed 20% of your portfolio due to their risk profile.

Large Cap and Blue Chip Funds: Large Cap funds are a safer bet in the long term and provide stability. They might not offer the highest returns but will protect your capital. Continue your SIPs in these funds.

Focused Equity Funds: These funds invest in a limited number of stocks, which can give concentrated returns but also carry higher risk. As you are looking for a long-term goal, these funds can add value, but balance them with more diversified funds.

Index Funds: While index funds are low-cost, they track the index and may not offer outperformance. Actively managed funds can give you better returns over the long term. If you are invested in index funds, consider reviewing their performance and reallocating to actively managed funds with a Certified Financial Planner.

Is Your Portfolio Diversified Enough?
Your portfolio has a good mix of different fund categories—small cap, mid cap, flexi cap, and large cap. You also have exposure to international markets and sectoral funds. However, be cautious about over-investing in small caps and sectoral funds due to their high volatility. Consider reducing the allocation to sectoral funds if their performance dips.

Will You Achieve Rs 2 Crore by 2034?
You aim to accumulate Rs 2 crore by 2034. Based on your current SIP amount, it is important to assess if this is enough. Considering an average return of 12% per annum from your mutual funds, Rs 70,000 per month SIPs may get you close to your target. However, it is wise to periodically review your portfolio and step up your SIP amount by 10-15% every year to stay on track.

Recommendation:

Increase your SIP amount: If possible, increase your SIPs by 10% every year to boost your corpus and mitigate the impact of inflation.
Step-Up SIPs: Some mutual funds offer a "Step-Up SIP" option where you can increase your monthly SIP amount automatically by a fixed percentage every year. This will help you stay on track for your Rs 2 crore goal.
Lump Sum vs SIPs
Lump sum investments can boost your corpus, but they depend on market timing. Since you already have a few lump-sum investments, it’s good to continue with SIPs to average out market volatility. If you come into additional funds, like a bonus or windfall, consider allocating some towards lump sum investments in diversified funds.

Expense Ratios and Fund Performance
It’s important to regularly monitor the expense ratios of the funds you are invested in. High expense ratios can eat into your returns over the long term. Actively managed funds with high expense ratios should justify the cost with higher returns. If you find that the returns are not justifying the high costs, consult a Certified Financial Planner to switch to better-performing funds with reasonable expenses.

Managing Risk and Rebalancing
Your current portfolio leans towards high-risk, high-return funds like small caps and sectoral funds. As you approach your target year, start reducing exposure to high-risk funds and shift more towards stable funds like large caps and flexi caps. This will help preserve your capital and reduce volatility.

Every year or two, review your portfolio and rebalance it. For example, if small caps have outperformed, they may now constitute a larger portion of your portfolio than you originally planned. Rebalance by selling some small cap units and buying more large cap or flexi cap units.

Emergency Fund and Insurance
Apart from investing in mutual funds, ensure that you have an emergency fund that covers 6-12 months of your expenses. This will protect you from dipping into your investments in case of unforeseen financial needs.

You already have a term insurance plan, which is great. Ensure that the sum assured is adequate to cover your family's financial needs in case of an emergency.

Tax Planning
Remember to account for taxation when planning your investment strategy. Long-term capital gains (LTCG) on equity mutual funds are taxed at 10% for gains above Rs 1 lakh. Plan your withdrawals strategically to minimize tax liabilities.

You can also invest in ELSS (Equity Linked Savings Scheme) funds to save on taxes under Section 80C. ELSS funds have a 3-year lock-in period and provide both tax benefits and market-linked returns.

Final Insights
Your current portfolio is well-diversified but high on risk.
Keep track of expense ratios and switch funds if necessary.
Step up your SIPs annually by 10-15% to meet your Rs 2 crore target.
Rebalance your portfolio every year to manage risk.
Maintain an emergency fund and ensure adequate insurance coverage.
Consider tax-saving strategies like ELSS to optimize your investments.
With a disciplined approach and periodic reviews, your goal of Rs 2 crore by 2034 is achievable.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Ans: Your portfolio reflects a diversified mix of funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds. However, having such a wide array of funds may lead to overlap and redundancy in your portfolio.

Here are some suggestions:

Consolidation: Consider consolidating your portfolio by reducing the number of funds. Focus on quality rather than quantity. You can achieve diversification with fewer funds that cover different market segments effectively.
Review Technology Sector Allocation: The allocation to the technology sector through ICICI Pru. Technology Direct Plan seems relatively high compared to other sectors. Ensure that you are comfortable with the risk associated with sector-specific funds and that it aligns with your overall investment strategy.
Assess Performance: Evaluate the performance of each fund regularly to ensure they are meeting your expectations. Monitor factors like fund manager consistency, expense ratios, and portfolio composition.
Long-Term Goals: Assess whether the selected funds align with your long-term financial goals and risk tolerance. Make adjustments if needed to stay on track with your objectives.
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Lastly, consider consulting with a financial advisor or planner who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help optimize your portfolio for better performance and alignment with your objectives.

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Ans: You have a well-diversified portfolio, investing in a mix of large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds. This balance can help you achieve good long-term growth while managing risk. Yes, you can continue with most of these funds. Your selection covers different market segments and offers a balanced approach. Large-cap funds (like Axis Blue-chip and SBI Blue-chip) offer stability. Mid-cap and small-cap funds (like Canara Robeco Emerging Equities and Nippon India Small Cap) provide growth potential but come with higher risk. Flexi-cap funds (like Parag Parikh Flexi Cap and DSP Flexi Cap) add flexibility in adapting to market conditions. Sector-specific funds (like ICICI Pru Technology) may show volatility but can offer high returns in booming sectors.
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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?
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Diversification: Ensure you're not overexposed to any particular sector or theme. Assess if your portfolio is adequately diversified across large-cap, mid-cap, and international funds.
Performance: Evaluate the historical performance of each fund relative to its benchmark and peers. Consistently underperforming funds may warrant reconsideration.
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Costs: Consider the expense ratio of each fund and any associated fees. Lower costs can enhance your overall returns over the long term.
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Hello Sir, I have started investing in sip from last month's and investing around 65k per month in 7 mutual funds which includes Nippon small cap,quant small cap, quant mid cap, Edelweiss balanced fund, canara robeco bluechip ,HDFC nifty 50 and Parag parikh flexi cap. As I want to make a Corpus of 1 crore in next 7-10 years is it good to continue with these funds or I need to do some changes. Please advise
Ans: Your initiative to start SIPs and invest ?65,000 monthly is commendable. At 7-10 years, achieving a corpus of ?1 crore is a realistic goal. Let's review your current funds and see if any adjustments are needed.

Current Fund Analysis

Nippon Small Cap and Quant Small Cap

Small cap funds offer high growth potential but are volatile. Holding two small cap funds increases risk. Diversifying to other categories can balance this risk.

Quant Mid Cap

Mid cap funds balance growth and stability. They are less volatile than small cap funds. This fund adds valuable diversity to your portfolio.

Edelweiss Balanced Fund

Balanced funds, also known as hybrid funds, invest in equity and debt. They provide stability and moderate growth. This is a good choice for risk management.

Canara Robeco Bluechip Fund

Large cap funds invest in well-established companies. They offer stability and steady returns. This fund adds a layer of safety to your portfolio.

HDFC Nifty 50

Nifty 50 index funds track the performance of the Nifty 50 index. However, actively managed funds often outperform index funds. Consider switching to an actively managed large cap fund.

Parag Parikh Flexi Cap Fund

Flexi cap funds invest across market capitalizations. They provide flexibility and diversification. This is a strong choice for a long-term portfolio.

Diversification and Risk Management

Diversification is crucial to managing risk. Your portfolio should balance growth and stability. Small cap funds should not dominate your portfolio. Consider reducing exposure to small caps.

Advantages of Actively Managed Funds

Actively managed funds adjust to market conditions. Fund managers seek opportunities for higher returns. This can outperform passive index funds like HDFC Nifty 50.

Regular Review and Adjustment

Regular reviews ensure your investments align with goals. Adjustments may be necessary as market conditions change. Consulting a Certified Financial Planner can provide personalized advice.

Investment Strategy for Corpus Growth

Reduce Small Cap Exposure

Keep only one small cap fund.
Diversify remaining investment into other categories.
Increase Large Cap and Balanced Fund Allocation

Allocate more to large cap and balanced funds.
These funds provide stability and steady growth.
Consider Multi Cap Funds

Multi cap funds invest in large, mid, and small caps.
They offer balanced growth and risk management.
Switch from Index Fund to Actively Managed Fund

Consider an actively managed large cap fund.
These funds aim to outperform the market index.
Empathy and Understanding

Your dedication to securing your financial future is admirable. Balancing growth and stability in your portfolio shows wisdom. Your goal of ?1 crore is achievable with the right strategy.

Conclusion

Your current mutual fund investments are strong. However, reducing small cap exposure and adding more large cap and balanced funds can enhance stability and growth. Regularly review and adjust your portfolio. Consulting with a Certified Financial Planner can provide tailored advice. Your commitment to investing wisely will ensure you achieve your financial goals.

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Nayagam P

Nayagam P P  |10254 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir is CIC du good or iter
Ans: The Cluster Innovation Centre (CIC) at Delhi University is a government-funded institute promoting innovation through interdisciplinary programs, industry collaborations, and practical project work. CIC offers a focused B.Tech in IT & Mathematical Innovations with advanced labs and a location in Delhi University's North Campus. Its recent placement data shows approximately 40-50% placement with median packages around ?8.5 LPA, though it lacks a dedicated placement cell. CIC emphasizes research-driven learning and innovation culture. On the other hand, the Institute of Technical Education and Research (ITER), affiliated with Siksha ‘O’ Anusandhan Deemed University, is a top-ranked private engineering institute, nationally placed 2nd among private colleges and 3rd overall in Times Engineering Survey 2025. ITER is accredited by ABET, offers various engineering branches with strong research facilities, robust industry ties, and consistent high placement rankings in eastern India and nationally. It has modern infrastructure, experienced faculty, and a broad-based engineering curriculum. While CIC stands out for innovation and niche curriculum under Delhi University’s umbrella, ITER excels in broader technical education, high national rankings, and placement outcomes.

Recommendation: Choose ITER for a comprehensive engineering education with superior infrastructure, accreditation, and higher placement potential. Opt for CIC if you value Delhi University affiliation and a focus on innovation and interdisciplinary research with emerging tech specialization. Your choice should align with your career goals and preferred learning environment. All the BEST for a Prosperous Future!

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