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How to Reach Rs. 1 Crore in the Stock Market with a Portfolio of Rs. 60 Lakhs?

Ramalingam Kalirajan |8192 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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

Asked by Anonymous - Feb 22, 2025Hindi

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Hello Sir, I am investing in share markets through buying directly in primary markets. I did not have privilege of having a good job and a permanent salary for long period I invest and circulate my own money. After so many years I have portfolio of 60 lacs in markets. How can I reach 1 crore figure as early as possible? I'm also investing Rs. 14000 in mutual funds every month in many funds. Please suggest how can I achieve this figure asap?

Ans: You have built a strong portfolio over the years. Growing your portfolio from Rs 60 lakh to Rs 1 crore needs smart strategies. A mix of discipline, diversification, and risk management will help.

Current Financial Position
Stock Market Portfolio: Rs 60 lakh
Mutual Fund SIPs: Rs 14,000 per month
Investment Approach: Direct stocks and mutual funds
Income Source: No fixed salary, self-managed investments
Key Strategies for Reaching Rs 1 Crore Faster
Optimise Your Stock Portfolio
Avoid over-diversification. Too many stocks reduce focused growth.
Invest in companies with strong earnings and future potential.
Book partial profits when stocks reach targets.
Avoid speculative trading and penny stocks.
Increase SIP Investments Gradually
Rs 14,000 SIP is good but increasing it will help.
If cash flow allows, raise SIPs by 10-15% annually.
Invest in actively managed equity mutual funds for better returns.
Avoid index funds as they lack flexibility in dynamic markets.
Use Market Cycles to Your Advantage
Invest more when markets fall.
Book partial profits when markets rise and reinvest in corrections.
Keep some funds ready for buying opportunities.
Avoid emotional investing based on market noise.
Avoid Overexposure to Risky Assets
Do not invest too much in small and mid-cap stocks.
Balance between stable large-cap stocks and growth-oriented stocks.
Keep a part of your portfolio in mutual funds for stability.
Mutual Fund Strategy for Faster Growth
Choose the Right Funds
Actively managed equity funds provide better returns than index funds.
Invest through a Certified Financial Planner to select the best funds.
Avoid investing in too many schemes. Stick to a few high-quality funds.
Avoid Direct Plans for Better Growth
Regular funds provide guidance from experts.
Direct plans need deep market knowledge and continuous tracking.
A well-managed portfolio can outperform unmanaged direct funds.
Tax Planning for Maximum Returns
Long-term capital gains (LTCG) on equity mutual funds above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan redemptions to reduce tax burden.
Final Insights
Optimise your stock portfolio with selective investments.

Increase mutual fund SIPs gradually for better compounding.

Invest more during market corrections and book profits at peaks.

Reduce exposure to high-risk stocks and funds.

Take guidance from a Certified Financial Planner for portfolio review.

Best Regards,

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

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