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Should I rearrange my investment portfolio to retire at 51 with a 1.5L monthly pension?

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 04, 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
an Question by an on Sep 04, 2024Hindi
Money

Hello sir, I am currently 43 and I would like your suggestion to rearrange my investment portfolio if any correction needed to acheive this. My aim is to retire at age 51 with 1.5L monthly pension. Currently my investments are like 1. MF (1.2 cr current market value) in Equity (Large,Mid,Hybrid & Small cap) in 8 funds with 75k SIP monthly 2. in NPS 12L (current value) with 15k monthly 3. FD 35L 4. Two house rented together for 20k monthly (60L markt value) 5. Commercial Rent 50k monthly (1.5 cr market value) 6. three plots market value ( 1.5 cr) 6. Gold 20L market value including SGB 7. 3L Equity Stocks 8. RD with 10K monthly for any cash requirement... I am currently having 25L family health insurance plan and Term plan of 70L My kids are 10 year and 13 year with plan to dispose the plot for their studies. I am having a house for staying and my current monthly expense is 75k maximum. Please suggest your view on my protfolio.

Ans: You have a diversified investment portfolio with a mix of mutual funds, NPS, FDs, real estate, gold, and equities. This balanced approach is a good foundation for building your retirement corpus. Your goal to retire at age 51 with a monthly pension of Rs. 1.5 lakh is achievable with strategic adjustments and disciplined investing.

Let's review each component of your portfolio and provide insights for optimization.

Mutual Funds
Your investment in mutual funds, valued at Rs. 1.2 crore with Rs. 75,000 monthly SIPs, forms the core of your wealth-building strategy.

Positives:

Your diversification across large-cap, mid-cap, hybrid, and small-cap funds is commendable. This spread helps in mitigating risks while ensuring growth.
Areas for Improvement:

Ensure that the funds in your portfolio are actively managed and performing well against their benchmarks. Regular review of fund performance is crucial.
Avoid over-diversification. Having too many funds might dilute your returns. Consider consolidating your investments into a fewer number of high-performing funds.
National Pension System (NPS)
With Rs. 12 lakh invested in NPS and Rs. 15,000 monthly contributions, this is a tax-efficient retirement tool.

Positives:

NPS provides a steady, long-term investment in equities and government securities, which is ideal for retirement planning.
Areas for Improvement:

Consider switching the asset allocation towards a more equity-oriented mix within NPS as you are still several years away from retirement. This can potentially enhance your returns.
Fixed Deposits (FDs)
Your investment of Rs. 35 lakh in FDs is a safe, liquid asset but offers limited returns.

Positives:

FDs provide safety and liquidity, essential for short-term goals and emergencies.
Areas for Improvement:

Given your long-term horizon, consider reducing your exposure to FDs and reallocating to higher-return instruments like debt mutual funds. This will offer better post-tax returns while still maintaining a balance of risk and safety.
Real Estate Investments
You own two houses (market value Rs. 60 lakh) generating Rs. 20,000 monthly rent and a commercial property (market value Rs. 1.5 crore) yielding Rs. 50,000 monthly rent.

Positives:

Real estate provides regular rental income and can act as a hedge against inflation.
Areas for Improvement:

The real estate market can be illiquid and may not always provide the best returns. Consider whether these assets are aligned with your long-term goals. If necessary, you may explore the option of selling a property and investing the proceeds in more liquid assets like mutual funds or equity.
Gold Investments
Your gold investment, including Sovereign Gold Bonds (SGB), is worth Rs. 20 lakh.

Positives:

Gold is a good hedge against inflation and economic downturns.
Areas for Improvement:

Keep your gold investment as a small part of your portfolio. Avoid adding more unless you foresee significant inflation or economic instability.
Equity Stocks
You have Rs. 3 lakh invested in direct equity stocks.

Positives:

Direct equity can offer high returns if chosen wisely.
Areas for Improvement:

Regularly review your stock portfolio. Consider shifting focus to mutual funds if you lack the time or expertise for direct stock investments.
Recurring Deposit (RD)
Your RD of Rs. 10,000 per month provides a regular, safe investment option for immediate cash needs.

Positives:

RDs are safe and predictable, useful for short-term savings.
Areas for Improvement:

Similar to FDs, RDs offer limited growth. Evaluate if these funds could be better utilized in higher-return instruments for your long-term goals.
Insurance Coverage
You have a Rs. 25 lakh family health insurance plan and a Rs. 70 lakh term insurance plan.

Positives:

Adequate insurance coverage is vital for protecting your family’s financial future.
Areas for Improvement:

Review your insurance coverage periodically to ensure it keeps pace with inflation and your financial responsibilities. Consider increasing your term insurance coverage if required.
Children’s Education and Marriage
You plan to dispose of your plots, valued at Rs. 1.5 crore, to fund your children’s education and marriage.

Positives:

Selling non-core assets like plots to fund key life events is a sound strategy.
Areas for Improvement:

Ensure the timing of these disposals aligns with market conditions to maximize returns. Reinvest any surplus funds into your retirement corpus.
Retirement Planning
To achieve a monthly pension of Rs. 1.5 lakh post-retirement, a robust corpus is required.

Positives:

Your current investments, coupled with ongoing contributions, lay a strong foundation for meeting your retirement goals.
Areas for Improvement:

Focus on growing your retirement corpus by increasing your SIPs and NPS contributions over time. Aim for a higher equity allocation as it offers better growth potential in the long run.
Cash Flow Management
Your monthly expense is Rs. 75,000, with a mix of predictable and unpredictable expenses.

Positives:

Having a clear understanding of your monthly expenses helps in planning for retirement and other goals.
Areas for Improvement:

Maintain a budget to track and control unplanned expenses. Consider setting aside an emergency fund, separate from your investments, to handle these unexpected costs.
Final Insights
Your investment strategy is on the right track, but a few adjustments can help you achieve your retirement goals more efficiently. Prioritize equity-oriented investments for long-term growth, review and consolidate your mutual funds, and consider the liquidity and return potential of your real estate holdings. Regularly monitor your portfolio’s performance and make adjustments as needed to stay aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Dear Sir, I am 45 years old and have the following investments in Mutual Funds and other investments. Kindly review my portfolio and suggest changes as needed. My goals are: retirement and higher education for my son who is 13 years old now AXIS LONG TERM EQUITY FUND REGULAR IDCW PAYOUT - 1 lakh (one time) AXIS MULTICAP FUND-REGULAR PLAN-GROWTH - 1 lakh (one time) DSP TAX SAVER FUND IDCW PAYOUT - 50,000 (one time) ICICI PRUDENTIAL VALUE DISCOVERY FUND IDCW PAYOUT - SIP (5000) SBI BLUE CHIP FUND REGULAR PLAN IDCW PAYOUT - 1 lakh (one time) ICICI Prudential Bluechip Fund -IDCW - 1 lakh (one time) Mirae Asset Emerging Bluechip Fund - Regular Plan Growth - SIP (5000) Tata India Tax Savings Fund Regular Plan IDCW - 50,000 (one time) Thanking You
Ans: It's heartening to see your commitment towards planning for both your retirement and your son's higher education. At 45, you're at a pivotal stage in life where strategic investment decisions can make a significant difference.

Your current portfolio reflects a blend of equity investments, which offer growth potential, and tax-saving funds, which are beneficial for long-term planning. However, as we journey through life, our goals evolve, and so should our investment strategy.

Have you considered how market fluctuations could impact your goals? Or how changing life circumstances might affect your investment needs? Diversifying your portfolio further could provide a cushion against such uncertainties.

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Let's ensure your financial journey is not just about reaching a destination but cherishing the experiences along the way. Your dedication to planning today will pave the way for a fulfilling tomorrow.

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Sir, I am 45 years old and have the following investments in Mutual Funds and other investments. Kindly review my portfolio and suggest changes as needed. My goals are: retirement and higher education for my son who is 13 years old now AXIS LONG TERM EQUITY FUND REGULAR IDCW PAYOUT - 1 lakh (one time) AXIS MULTICAP FUND-REGULAR PLAN-GROWTH - 1 lakh (one time) DSP TAX SAVER FUND IDCW PAYOUT - 50,000 (one time) ICICI PRUDENTIAL VALUE DISCOVERY FUND IDCW PAYOUT - SIP (5000) SBI BLUE CHIP FUND REGULAR PLAN IDCW PAYOUT - 1 lakh (one time) ICICI Prudential Bluechip Fund -IDCW - 1 lakh (one time) Mirae Asset Emerging Bluechip Fund - Regular Plan Growth - SIP (5000) Tata India Tax Savings Fund Regular Plan IDCW - 50,000 (one time)
Ans: Reviewing your portfolio and goals is a wise step. Your investments reflect thoughtful planning. Let’s assess and suggest adjustments for your retirement and your son's education.

Reviewing Your Current Investments
Your portfolio consists of various mutual funds with a mix of lump sum investments and SIPs. You have invested in tax-saving funds, blue-chip funds, and multi-cap funds.

Assessing Axis Long Term Equity Fund
This fund is good for tax-saving but consider switching from IDCW payout to growth option. Growth options typically yield better long-term returns.

Evaluating Axis Multicap Fund
This fund offers diversification across market caps. Keeping it in growth mode aligns with long-term goals. Multicap funds can handle market volatility well.

DSP Tax Saver Fund Analysis
Tax-saving funds with IDCW payout might not maximize returns. Switching to growth option can be more beneficial for long-term wealth accumulation.

ICICI Prudential Value Discovery Fund
SIP investment here is wise. Value funds can offer substantial growth over time. Ensure you monitor its performance regularly.

SBI Blue Chip Fund
Blue-chip funds provide stability and steady returns. Consider switching from IDCW payout to growth option for better long-term benefits.

ICICI Prudential Bluechip Fund
Similar to SBI Blue Chip Fund, switching to growth option is advisable. Blue-chip funds are reliable for steady, long-term growth.

Mirae Asset Emerging Bluechip Fund
This SIP is well-placed. Emerging bluechip funds balance between mid-cap growth and blue-chip stability. Continue monitoring its performance.

Tata India Tax Savings Fund
Tax-saving funds in IDCW payout mode may not optimize returns. Switching to growth option can help in better wealth creation.

Assessing Portfolio Allocation
Your portfolio is well-diversified across different fund types. However, ensure there's no overlap in large-cap funds. Too much concentration in one type can limit growth.

Balancing Risk and Return
As you are 45, balancing risk and return is crucial. Maintain a mix of equity funds for growth and consider adding debt funds for stability.

Planning for Retirement
Given your age, focus on long-term growth while gradually reducing risk. Equity funds should still be a significant part of your portfolio.

Planning for Son's Education
Your son is 13, so you have about 5-8 years before funds are needed. Prioritize equity funds for growth but start shifting to debt funds as the goal nears.

Considering Actively Managed Funds
Actively managed funds, handled by professional managers, aim to outperform the market. They offer potential for higher returns compared to index funds.

Importance of Regular Funds
Investing through regular funds via a Certified Financial Planner ensures professional management and better guidance aligned with your goals.

Regular Monitoring and Rebalancing
Regularly monitor your portfolio’s performance. Rebalance it annually or as needed to ensure alignment with your financial goals and risk tolerance.

Leveraging the Power of Compounding
Long-term investments benefit from compounding. Ensure that most of your funds are in growth options to take advantage of compounding.

Emergency Fund
Maintain an emergency fund covering at least six months of expenses. This ensures financial stability without disrupting your investment plans.

Tax Efficiency
Review the tax implications of your investments. Growth options in mutual funds can be more tax-efficient compared to IDCW payouts.

Diversification Benefits
Diversification minimizes risk. Ensure your portfolio is well-diversified across various sectors and fund types to optimize returns and manage risk.

Reviewing Fund Managers
Check the performance and strategies of your fund managers. Consistent underperformance may warrant switching to better-performing funds.

Aligning Investments with Financial Goals
Align your investments with specific goals such as retirement and education. This helps in selecting appropriate funds and managing timelines.

Professional Guidance
Consult a Certified Financial Planner for tailored advice. They provide insights and adjustments based on your financial situation and goals.

Avoiding Overlapping Funds
Ensure your portfolio does not have too many overlapping funds. This can reduce diversification benefits and concentrate risk.

Balancing Equity and Debt
Maintain a balanced mix of equity and debt funds. Equity for growth and debt for stability ensures a well-rounded portfolio.

Considering the Economic Outlook
Stay informed about the economic outlook. It can impact fund performance and help you make informed decisions about your investments.

Conclusion
Your portfolio is on the right track. Switching to growth options and balancing equity with debt can optimize your investments for retirement and education goals. Regular monitoring and professional guidance ensure ongoing alignment with your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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I'm 45 years old and have the following investments in Mutual Funds and other investments. Kindly review my portfolio and suggest changes as needed. My goals are: retirement and higher education for my son who is 13 years old now AXIS LONG TERM EQUITY FUND REGULAR IDCW PAYOUT - 1 lakh (one time) AXIS MULTICAP FUND-REGULAR PLAN-GROWTH - 1 lakh (one time) DSP TAX SAVER FUND IDCW PAYOUT - 50,000 (one time) ICICI PRUDENTIAL VALUE DISCOVERY FUND IDCW PAYOUT - SIP (5000) SBI BLUE CHIP FUND REGULAR PLAN IDCW PAYOUT - 1 lakh (one time) ICICI Prudential Bluechip Fund -IDCW - 1 lakh (one time) Mirae Asset Emerging Bluechip Fund - Regular Plan Growth - SIP (5000) Tata India Tax Savings Fund Regular Plan IDCW - 50,000 (one time)
Ans: Dear Sriram,

Thank you for reaching out to me for advice on your investment portfolio. Based on the information you provided, here's an overview of your current investments and some suggestions to optimize your portfolio.

Current Investments:

Axis Long Term Equity Fund - ₹1 lakh
Axis Multicap Fund - ₹1 lakh
DSP Tax Saver Fund - ₹50,000
ICICI Prudential Value Discovery Fund - ₹5,000 (SIP)
SBI Blue Chip Fund - ₹1 lakh
ICICI Prudential Bluechip Fund - ₹1 lakh
Mirae Asset Emerging Bluechip Fund - ₹5,000 (SIP)
Tata India Tax Savings Fund - ₹50,000
Here are some recommendations:

Diversification: Your current investments are heavily focused on large-cap and tax-saving funds. To diversify your portfolio, consider allocating a portion of your investments to mid-cap, small-cap, and debt funds. This will help you spread the risk and potentially achieve better returns over time.
Review SIPs: Your SIPs in the ICICI Prudential Value Discovery Fund and Mirae Asset Emerging Bluechip Fund are a good start for long-term wealth creation. Evaluate their performance regularly and consider increasing the SIP amount as your income grows.
Education Goal: Since your son is 13 years old, you have around 5 years before he starts his higher education. It is advisable to start a separate investment in a balanced or hybrid fund specifically for this purpose. This would help you achieve the required corpus by the time he is ready for college.
Retirement Planning: At 45, you have around 15-20 years before retirement. For this goal, consider investing in a mix of equity and debt funds with a long-term horizon. You can also consider starting an SIP in a retirement-focused mutual fund to ensure a steady income post-retirement.
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Eligibility criteria
Applicants must be Indian nationals, OCI/PIO/Foreign Nationals to apply for IAT 2025.

The candidates must have passed the Class XII (or equivalent) examination with science stream from any board recognized by the Council of Boards of School Education (COBSE) in India. Foreign Nationals need to upload an equivalence certificate issued by the Association of Indian Universities unless they have passed the Class XII or equivalent level examination from any board recognized by the Council of Boards of School Education (COBSE) in India. The equivalence certificate must be uploaded while submitting the IAT 2025 Application Form under "Please upload copy of document supporting your claim of Foreign National (You'll need to produce original when necessary)".

Candidates should have been born on or after October 01, 2000. Five years of age relaxation is given to SC, ST, and PwD candidates, i.e, these candidates should have been born on or after October 01, 1995. Note that, there is no restriction based on the completion year of Class XII.

Candidates must have taken at least three subjects among Biology, Chemistry, Mathematics and Physics during their Class XII (or equivalent) examination.

Candidates belonging to SC/ST/PwD are required to score a minimum of 55% marks in aggregate or equivalent grade in their Class XII (or equivalent) examination. Candidates belonging to other categories are required to score a minimum of 60% marks in aggregate or equivalent grade in their Class XII (or equivalent) examination.

NOTE:
Candidates belonging to Kashmiri Pandit/Kashmiri Hindu Families (Non-Migrants) may apply for the IAT 2025 as Kashmiri Migrants subject to the fullfillment of other eligibility criteria. These candidates must upload a valid domicile certificate at the time of application under "Kashmiri Migrant Certificate".

Admission to IISERs
Admission to IISERs is exclusively through the IISER Aptitude Test (IAT), which is a computer-based test scheduled on Sunday, May 25, 2025 at 9:00 AM, at various centres across the country.

Performance Criteria in Class XII (or equivalent examination)
Candidates whose Class XII (or equivalent) examination results have not yet been declared can apply for IAT 2025. However, their admission will be subject to fulfilling the minimum eligibility criteria given above.
For candidates who have appeared in the Class XII (or equivalent) examination multiple times (for whatever reasons), the best of the performances in terms of aggregate in a given year will be considered.
If a board gives aggregate marks considering both Class XI and Class XII, then only Class XII (or equivalent) examination marks will be considered. If a board gives aggregate marks considering the results of all three years of a 3-year diploma or courses of equivalent duration, then only the marks scored in the final year will be considered. Similarly, the marks scored in the final two semesters will be considered for boards that follow a semester system.
If a board awards only letter grades without providing an equivalent percentage of marks on the grade-sheet, the candidate should obtain a certificate from the board specifying the equivalent marks and submit it before the deadline of the mark-sheet submission. In case the board does not provide such a certificate, the percentage marks will be assessed as follows:

percentage marks = (CGPA or CPI obtained × 100) / PS,
where PS is the maximum value of the point scale used by the respective board.
Reservation Policy
Reservation policies as mandated by the Govt. of India will apply
Scheduled Caste (SC) - 15% of seats
Scheduled Tribe (ST) - 7.5% of seats
Other Backward Classes belonging to the Non-Creamy Layer (OBC-NCL) - 27% of seats
Persons with Disability (PwD) with at least 40% impairment - 5% of seats (horizontal, within the same category)
Kashmiri Migrants - 3 seats per IISER (supernumerary)
Economically Weaker Section (EWS) - up to 10% (as per Government of India rules)
Note that the EWS/OBC-NCL certificate should be issued on or after April 01, 2025

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