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Ramalingam

Ramalingam Kalirajan  |5092 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 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
NDDEVARAJ Question by NDDEVARAJ on Apr 10, 2024Hindi
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IF I INVEST 50000 PER MONTH WHAT WILL IT BE AFTER 3 YEARS IF I INVEST IN SIP

Ans: Embarking on a journey of financial planning through SIPs is a commendable step towards securing your future. With dedication and consistency, your monthly investments have the potential to grow significantly over time. The path you've chosen reflects foresight and a commitment to financial well-being.

As a Certified Financial Planner, I appreciate your proactive approach to investing in your future. Remember, while SIPs offer a structured way to invest, it's essential to stay patient and trust in the power of compounding. Your journey towards financial independence is like planting a tree—you nurture it with regular investments, and over time, it grows into a sturdy oak providing shade and security.

Keep faith in your investment strategy, and don't hesitate to seek guidance along the way. With perseverance and wise decision-making, you're laying the foundation for a prosperous tomorrow.
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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Asked by Anonymous - May 09, 2024Hindi
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Hi sir i am investing in sip for 7000,ppf 5000,nps 2500,pf 3000 per month i am 32 yrs planning to retire in 65 years .how much i will get after 65
Ans: It's excellent that you're taking proactive steps towards securing your financial future at such a young age. By investing regularly in SIP, PPF, NPS, and PF, you're building a strong foundation for your retirement.

Regularly investing in SIPs allows you to benefit from the power of compounding over time, potentially leading to significant growth in your investments. PPF provides a secure and tax-efficient way to save, and NPS and PF contributions help you build a retirement corpus while also enjoying tax benefits.

However, the exact amount you'll receive at retirement depends on various factors like the rate of return on your investments, inflation, and any changes in government policies. It's essential to review your investment strategy regularly and make adjustments as needed to stay on track towards your retirement goals.

Consider consulting with a Certified Financial Planner (CFP) to develop a comprehensive retirement plan tailored to your needs and aspirations. A CFP can help you estimate your future retirement corpus based on your current investments and make recommendations to optimize your portfolio for long-term growth.

Remember, starting early and staying disciplined with your investments are key to achieving your retirement goals. Keep up the good work, and continue investing regularly to build a secure financial future for yourself.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |5092 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2024

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I'm investing monthly 30k for 2 months now in SIP. How much will be my return in 2030.
Ans: Forecasting SIP Returns for 2030: A Detailed Analysis

Investing in Systematic Investment Plans (SIPs) is a prudent strategy for wealth accumulation, especially when considering long-term financial goals. Let's delve deeper into projecting returns for your SIP investments by the year 2030.

Evaluating the Investment Strategy

Initial Investment: A Strong Start

Beginning SIP investments is commendable, showcasing your commitment to financial planning and wealth creation.

Time Horizon: Long-Term Perspective

With a 9-year investment horizon until 2030, your approach aligns well with the principle of long-term investing, which is essential for maximizing returns and mitigating market volatility.

Assessing Potential Returns

Historical Performance: Insights from the Past

Looking back at historical data, equity investments, typically the underlying assets in SIPs, have shown favorable returns over extended periods.

Market Volatility: Consideration for Fluctuations

While long-term returns are promising, it's crucial to acknowledge the inherent volatility in the market, which can influence short-term investment performance.

Estimating Future Returns

Growth Potential: Optimism for the Future

Despite short-term fluctuations, equities hold significant growth potential over the long term, driven by economic growth, corporate earnings, and market dynamics.

Average Returns: Realistic Expectations

While precise returns cannot be guaranteed, historical trends indicate average annual returns ranging from 12-15% for equity investments.

Planning for 2030

Expected Returns: Setting Realistic Goals

Based on historical averages, it's reasonable to anticipate annual returns of approximately 12-15% for your SIP investments until 2030.

Compounded Growth: Amplifying Your Wealth

Over the 9-year period, the power of compounding can substantially enhance your initial investment, leading to exponential growth in wealth accumulation.

Conclusion: Optimistic Outlook

In conclusion, your decision to invest in SIPs reflects a prudent financial strategy. By staying invested for the long term, maintaining consistency in contributions, and embracing the potential of compounding, you can anticipate significant returns by the year 2030, thereby inching closer to your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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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