I am looking at building a corpus of around 35 cr in the next 15 years by Investing in SIP... I have already attained a corpus of 1.25 cr I have been investing both lumpsum and through SIP for the past 7 years.. I am increasing my SiP amount every year by atleast 5%.. Currently my monthly SIP value is 90k. I am looking at increasing this to 1.3 lacs in the next 3years. I am investing in equity and hybrid funds with 35% investment going in hybrid funds and rest in equity i.e.a mix of largecap..small call and mid cap funds.. I am.inveeting in 9 finds altogether.. Would I be able to reach my target by following this method.. Kindly suggest..

Ans: Funds are decent. Growth options are best options but there are too many funds in your portfolio. You can still continue with your investments.

Ans: Hello Satya. In terms of your requirements and goals, your current allocation sounds good with the exception of the PPFAS Conservative Hybrid Fund. I would suggest reconsidering PPFAS with Bluechip schemes for long run . Additionally, no changes need to be made to the amount of your sip.

Ans: To build a corpus of 1 crore in 12-15 years, consider the following suggestions:

Evaluate your current SIP portfolio: Review the performance and overlap of your existing funds. Ensure that you have a well-diversified portfolio across different market segments and investment styles.

Optimize your SIPs: Assess the frequency and amount of your SIPs to ensure they align with your investment goals and risk tolerance. Consider consolidating SIPs into fewer funds to reduce complexity and transaction costs.

Increase SIP contributions: If possible, consider increasing your SIP contributions over time to accelerate wealth accumulation. Regularly review your budget and financial situation to determine if you can afford to increase your investment amounts.

Explore additional investment avenues: Consider diversifying your portfolio by adding other asset classes such as debt funds, real estate, or alternative investments based on your risk appetite and investment horizon.

Monitor and adjust: Periodically review your investment portfolio and make adjustments as needed based on changes in market conditions, financial goals, and personal circumstances. Stay disciplined with your investment strategy and avoid making emotional decisions during market fluctuations.

Consulting with a financial advisor can provide personalized guidance and help you develop a comprehensive investment plan tailored to your specific needs and objectives. They can also assist you in implementing strategies to achieve your target corpus of 1 crore within the desired time frame.

Ans: Hello Sangayya, it's great to see your commitment to building your financial future through SIP investments. Let's break down your goal of reaching a corpus of 1 crore in 10 years and assess your current investment approach:

Review Current Investments: Evaluate the performance of your existing SIPs relative to their benchmarks and peers. This will help you understand if adjustments are needed to optimize your portfolio for growth.
Assess Required Monthly Investment: To reach a corpus of 1 crore in 10 years, you'll need to calculate the required monthly investment based on your expected rate of return. This depends on factors like the type of funds you're investing in and prevailing market conditions.
Consider Increasing SIP Amount: If your current monthly investment of 22k isn't sufficient to reach your goal, you may need to increase your SIP amounts or explore additional investment avenues. A Certified Financial Planner can help you determine the optimal investment strategy based on your risk tolerance and financial goals.
Stay Consistent and Patient: Building a substantial corpus takes time and discipline. Stay committed to your investment plan, continue SIPs regularly, and avoid making emotional decisions based on short-term market fluctuations.
Regular Portfolio Review: Periodically review your portfolio's performance and make adjustments as needed. Rebalancing your investments and exploring new opportunities can help you stay on track towards achieving your financial goals.
Remember, while setting ambitious targets is commendable, it's essential to ensure that your investment strategy is realistic and aligned with your risk tolerance and financial capacity. With careful planning and perseverance, you can work towards building a significant corpus over the next decade.