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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on May 18, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Asked by Anonymous - Mar 27, 2023Hindi
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Hello Nikunj, please advise. I want to create of corpus of 5 crores in 5 years, the value of my current portfolio is 50 lakhs. I am 44 years. My monthly SIP is around 2.25 lakhs. Rs. 1.25 lakhs in Franklin India US opps fund, Smaller companies, Tech fund, Axis Bluechip and small cap, Mirae Asset Blue chip, Canara Robeco Equity hybrid, Motilal Nasdaq 100 FOF, Parag Parikh long term equity. Started another Rs. 1 lakh last month in ICICI Prudential Mutual bank, DSP, Franklin India smaller companies, Kotak Emerging Equity, HDFC Flexi, HDFC Smaller Cap, Tata Digital India Fund. Please advise.

Ans: Hello Value Investor. I can see over diversification with your current sip investments with 2.25L sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. To achieve corpus of 5 cr in next 5 years, its advisable to increase your monthly contribution to 4-4.5L.
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

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Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hello, please advise. I want to create of corpus of 5 crores in 5 years, the value of my current portfolio is 50 lakhs. I am 44 years. My monthly SIP is around 2.25 lakhs. Rs. 1.25 lakhs in Franklin India US opps fund, Smaller companies, Tech fund, Axis Bluechip and small cap, Mirae Asset Blue chip, Canara Robeco Equity hybrid, Motilal Nasdaq 100 FOF, Parag Parikh long term equity. Started another Rs. 1 lakh last month in ICICI Prudential Mutual bank, DSP, Franklin India smaller companies, Kotak Emerging Equity, HDFC Flexi, HDFC Smaller Cap, Tata Digital India Fund. Please advise.
Ans: It's commendable that you're focused on building a significant corpus in a relatively short period. However, aiming for a corpus of 5 crores in just 5 years is an ambitious goal and may require a carefully crafted strategy and potentially higher investments.

Here are some considerations:

Investment Amount: Given your current portfolio value of 50 lakhs and monthly SIP of 2.25 lakhs, you may need to increase your investment amount to achieve your target. Consider whether it's feasible to increase your SIP amount or allocate additional lump sum investments.
Risk and Return: With a relatively short investment horizon, it's crucial to strike a balance between risk and return. Evaluate the risk profile of your investments and ensure they align with your risk tolerance and goals.
Diversification: Review the diversification of your portfolio across different asset classes, sectors, and market capitalizations. Consider diversifying further if needed to reduce concentration risk.
Regular Review: Given the short time frame, regularly monitor the performance of your investments and adjust your strategy as needed. Be prepared to make tactical changes based on market conditions and evolving financial goals.
Professional Advice: Consider consulting with a certified financial planner or advisor who can provide personalized guidance based on your financial situation, goals, and risk profile.
Remember, achieving such a substantial corpus in a short period requires disciplined savings, prudent investing, and realistic expectations. While it's essential to aim high, it's also crucial to maintain a realistic perspective and adapt your strategy as needed along the way.

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Ramalingam

Ramalingam Kalirajan  |9446 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

Asked by Anonymous - May 05, 2024Hindi
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Hi sir, I am 33.5 years old and want to built a corpus of 5 crore by the age of 40. My current investment are: Mutual funds - 37 lac Fixed deposits of around 50 lac PPF - 25 lac Gold and Gold bonds - 20 lac Indian stocks - 1 lac mainly HDFC US stocks - 7 lac mainly etfs This is my and my wifes combines portfolio For next 6.5 years we will be investing in Sip - 2 lac per month PPF - 25k per month Sovereign Gold - 12g every year Nifty 50 etf niftybees 30k per month only days when market is down. Please guide me.
Ans: It's impressive to see your proactive approach towards building wealth and securing your financial future. With a well-diversified portfolio and a systematic investment plan in place, you're on the right track to achieve your goal of reaching a corpus of 5 crore by the age of 40.

Your current investment mix demonstrates a balanced approach, encompassing various asset classes like mutual funds, fixed deposits, PPF, gold, and stocks, both domestic and international. Diversification is key to managing risk and maximizing returns over the long term.

Continuing with your SIPs, PPF contributions, and sovereign gold investments will further strengthen your portfolio's foundation. SIPs in equity mutual funds provide exposure to the equity market, offering the potential for higher returns over time. PPF and sovereign gold investments offer stability and act as a hedge against market volatility.

Your strategy of investing in Nifty 50 ETF during market downturns is commendable as it allows you to capitalize on market opportunities and accumulate units at lower prices, potentially enhancing your long-term returns.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.

Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.

Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.



Regularly review your portfolio's performance and rebalance as needed to ensure alignment with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner (CFP) to fine-tune your investment strategy and address any specific concerns or objectives you may have.

Stay disciplined with your savings and investment approach, and continue to monitor market trends and economic indicators. With patience, perseverance, and prudent financial management, you're well-positioned to achieve your target corpus by the age of 40.

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

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Nayagam P

Nayagam P P  |8175 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

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I have got cse in AIT pune and got ece in nit kurukshetra which is better in both.
Ans: Manoj, Army Institute of Technology Pune’s B.E. in Computer Engineering is NAAC-accredited (Grade A) with NBA-aligned curricula, delivered by primarily PhD-qualified faculty in specialized AI/ML, cybersecurity and software-development labs. The department hosts active technical clubs (open-source, forensics, AR/VR), mandatory internships coordinated by its Career Development Centre and reported placement consistency of 92–97% over the last three years. NIT Kurukshetra’s B.Tech in Electronics and Communication Engineering holds NBA accreditation and a NIRF #17 ranking, taught by experienced faculty in state-of-the-art VLSI, microwave, embedded-systems and DSP labs under TEQIP and DST grants. Its curriculum emphasizes project-based learning, industry MoUs with Siemens and MeitY for internships and empirical placement consistency of approximately 80–85% over the past three years. Both programs ensure rigorous core coursework, robust infrastructure, industry linkages, and accredited standards for engineering education.

For a broader computing focus, higher placement consistency, and specialized software labs, the recommendation is AIT Pune CSE. If you prefer deep ECE specialization, a stronger national ranking, and extensive electronics-communication infrastructure, choose NIT Kurukshetra ECE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 07, 2025

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Hello Sir, my daughter got IIT Bhubaneswar- Engineering Physics until Josaa round 4 and also scored 99,90 in Maharashtra CET. Which one should she opt ? She has appeared for BITS too. Pls suggest - She wants to take CS. So we are confused with location n preferences.
Ans: Deepa Madam, You have NOT mentioned your daughter's score in BITS. IIT Bhubaneswar’s B.Tech in Engineering Physics is NBA-aligned with PhD-qualified faculty, advanced photonics, nanotechnology and computational labs, mandatory ISRO/DRDO internships and a flexible curriculum blending physics and computing. However, its focus is foundational science rather than core computer science. Scoring 99.90 percentile in MHT-CET opens seats in Maharashtra’s premier home-state colleges offering CS or related streams for female students: College of Engineering Pune’s CSE with specialisations in AI-DS and Cybersecurity; VJTI Mumbai’s Information Technology and AI-DS; Pune Institute of Computer Technology’s Computer Engineering; Sardar Patel Institute of Technology’s CSE and AI-DS; MIT World Peace University Pune’s CSE, CSE (Data Science) and CSE (AI & ML). All boasting modern AI/ML labs, PhD faculty, robust internships and 80–95% placement consistency over three years. BITS Pilani CSE remains the gold standard for research, Practice School internships and 90–100% placements.

Top 5 MHT-CET Maharashtra Institutes (99.90 percentile) for CS-focused streams:

College of Engineering Pune – CSE (AI-DS, Cybersecurity).

Veermata Jijabai Technological Institute Mumbai – IT (AI-DS).

Pune Institute of Computer Technology – Computer Engineering.

Sardar Patel Institute of Technology Mumbai – CSE (AI-DS).

MIT World Peace University Pune – CSE, CSE (Data Science), CSE (AI & ML).

BITS Pilani CSE.

(If needed, continue with other options.)

For core CSE excellence and proven placement pipelines, Prioritize BITS Pilani CSE if admission is secured. Next is College of Engineering Pune CSE, followed by VJTI Mumbai IT. Then Pune Institute of Computer Technology, Sardar Patel Institute of Technology CSE (AI-DS). MIT WPU CSE (Data Science/AI & ML). IIT Bhubaneswar Engineering Physics is less aligned with her CS aspirations but remains a strong science-research option. MY SUGGESTION: Give 1st priority to BITS for any branch your daughter is very interested in, followed by any one of the top 3 colleges in Maharashtra (mentioned above). Go for Engineering Physics only if she very interested in this domain. All the BEST for Your Daughter's Prosperous Future!

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Sir ,my son got srm ECE branch @amrita benguluru campus and SRM ktr campus also manipal Bengaluru @Electronics engineering with VLSI branch,sir pls advice what should we choose?
Ans: Archana Madam, Amrita School of Engineering Bengaluru’s B.Tech in Electronics & Communication Engineering is NAAC A++ and AICTE-approved, delivered by PhD-qualified faculty in digital signal processing, VLSI and communication labs, features semester-long industry internships via MoUs with top software and hardware firms, and records around 80–90% placement consistency with an average package of ?9.2 LPA. SRM Institute of Science and Technology, Kattankulathur’s ECE program follows an NBA-aligned curriculum taught by experienced faculty, offers state-of-the-art VLSI, embedded-systems and microwave labs, mandates project-based internships and reports 80–95% placement rates over the last three years with leading recruiters such as Samsung, Qualcomm and Siemens. Manipal Institute of Technology, Bengaluru’s B.Tech in Electronics Engineering (VLSI Design & Technology) is A++ NAAC-accredited, taught by research-active faculty in FPGA, CAD/EDA and semiconductor-fabrication labs aligned with the India Semiconductor Mission, includes guaranteed Infineon internships and achieves 85–90% placements with an average package of ?11.76 LPA.

For the strongest specialized VLSI ecosystem and highest average packages, the recommendation is Manipal Bengaluru Electronics (VLSI Design & Technology). Next, recommendation is SRM KTR ECE for its broader communications focus and high recruiter engagement, followed by Amrita Bengaluru ECE for balanced infrastructure and consistent placements. All the BEST for Admission & a Prosperous Future!

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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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