Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 16, 2022

Mutual Fund Expert... more
Atharva Question by Atharva on Nov 16, 2022Hindi
Listen
Money

I'm 22 years old. I want to create a corpus of 3 crore in next 15-20 years. I have following MF currently running from past 1-2 years. I'm a student and studying law and hence can invest only 12k a month maximum. From 2024 I will start earning and can make additional investments or add into existing SIPs.

Please guide me if any changes need to be done. Also am planning to start an SIP in small cap fund. Please suggest on the same.

1. TATA digital India fund growth - 2500 pm

2. Kotak flexicap fund - 2000 pm

3. Mirae asset large cap - 2000 pm

4. ICICI prudential NASDAQ 100 - 2000 pm

5. Gold ETF and Silver ETF - 1k each pm

All the above mentioned are step up SIPs with 10% step up each year

Please guide according to portfolio.

Ans: No change required

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Listen
Money
I am 42 years old, my annual income is 10Lakhs and i want to make corpus of 3cr within 18 years. Presently my investments in SIP's are: HDFC mid cap opportunities fund Rs. 3000; ABSL Equity advantage fund Rs. 3000; UTI Nifty 50 Index fund Rs.5000; Nippon Small Cap Fund Rs.2000; Parag Parikh flexi cap fund Rs. 2000; Quant multi asset fund Rs.2000; Kotak emerging equity fund Rs.1500; Tata Digital India Fund Rs. 1500. Requesting your recommendations on these and advice on furher investment if any....Thank You
Ans: You've built a diversified portfolio with a mix of large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds, which is a good start towards your ambitious goal. Here are some considerations and recommendations:

Asset Allocation: Given your goal and age, you might want to tilt your portfolio towards more equity-oriented funds. While equities carry higher risk, they also offer potential for higher returns over the long term.
Review & Rebalance: Periodically review your portfolio to ensure it aligns with your goals and risk tolerance. Rebalance if necessary to maintain your desired asset allocation.
Increase SIP Amounts: With a target corpus of 3 crores in 18 years, you might need to consider increasing your SIP amounts annually to account for inflation and potentially higher returns.
Diversification: Ensure you're not overly concentrated in a single asset class or sector. Diversification across asset classes and market caps can help spread the risk.
Consult a Financial Advisor: Given the complexity of financial planning, it might be beneficial to consult a financial advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance.
Remember, investing is a journey, not a destination. Consistency, discipline, and periodic reviews are key to achieving your financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Listen
Money
I am 42 years salaried person investing in MF through SIP from 2014 current corpus is 37 Lakhs in MF. My Current SIP's amount is rs 22000 PM as follows- 1. Nippon Small cap - 2000, 2. Mahindra manulife midcap fund - 7000, Mahindra Manulife Small cap - 4000, PGIM Midcap opportunities Fund - 3000, Quant Flexicap fund - 6000. SIP increasing every year by 5% to 10% No Home loan, term insurance 55 lakhs, medi-claim 10 lakhs, PF & VPF accumulation Rs 16 lakhs. I want to create a good corpus of Rs 6 - 7crore for retirement at 58 years of age. Please suggest if any change required in investment amount or funds.
Ans: It's commendable that you've been consistently investing in mutual funds through SIPs for several years, laying a strong foundation for your retirement. Let's evaluate your current investment strategy and make adjustments to align with your retirement goal.

Your portfolio reflects a diversified mix of small-cap, mid-cap, and flexi-cap funds, which offer growth potential over the long term. However, given your goal of building a substantial corpus for retirement, we may need to reassess your asset allocation and make some adjustments.

Firstly, let's review your SIP amounts and consider increasing them gradually to accelerate wealth accumulation. Since your SIPs increase by 5% to 10% annually, this incremental growth can boost your investment corpus significantly over time.

Consider reallocating some of your SIP amounts to funds with a proven track record of consistent performance and lower volatility. While small-cap and mid-cap funds can offer higher returns, they also come with increased risk. Diversifying across large-cap funds or balanced funds can provide stability to your portfolio.

Moreover, review your overall asset allocation to ensure it remains aligned with your risk tolerance and investment objectives. While equity investments offer growth potential, it's essential to balance them with fixed-income securities like debt funds or PPF to mitigate risk.

Given your age and retirement horizon, periodically reassess your investment strategy and make necessary adjustments to stay on track towards your goal. Consider consulting with a Certified Financial Planner to develop a personalized retirement plan tailored to your needs and aspirations.

In conclusion, by fine-tuning your investment strategy, increasing your SIP amounts, and maintaining a disciplined approach, you can work towards achieving your retirement goal of building a corpus of Rs 6 - 7 crores by the age of 58.

Best Regards,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8705 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
I got CSE (AI/ML) in IIIT Nagpur (98.33%ile in JEE mains)...and i think i would get SPIT CSE (99.66 in MHTCET)..what should i prefer?
Ans: Hemant, IIIT Nagpur’s B.Tech in Computer Science & Engineering with AI/ML specialisation holds NAAC A++ accreditation and NBA approval, featuring state-of-the-art AI/ML, computer vision and NLP labs, a PhD-qualified faculty engaged in AICTE-QIP research programmes, and strong Tata Consultancy Services partnerships. In the 2024 placement cycle, the CSE branch recorded an 89.11% placement rate, with recruiters including Amazon, Goldman Sachs and Microsoft. Sardar Patel Institute of Technology (SPIT), an autonomous NAAC A+ institute affiliated to the University of Mumbai, offers a robust CSE curriculum supported by its Technology Business Incubator, modern programming and AI labs, and an active placement cell that has achieved a assured complete placement consistency for eligible CSE students, attracting over 100 companies annually. Both institutes maintain rigorous outcome-based pedagogy, comprehensive pre-placement training and vibrant alumni networks, differing primarily in placement consistency and urban singleton versus emerging campus environments.

Recommendation: Prioritise SPIT Mumbai CSE if assured complete placement consistency, extensive industry-incubator integration and metropolitan networking resonate with your career goals. Opt for IIIT Nagpur CSE-AI/ML if you seek an emerging institute’s specialised AI/ML research focus, national importance status and strong academic-industry collaboration in a growing tech hub. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8705 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Nayagam P

Nayagam P P  |8705 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Career
HelloSir; My son has the following options available at the moment. IIT Bombay Dual Engineering Btech Mtech Electrical, UIET Chandigarh CSE, NSUT Electronics and Communication Engineering, IIST ISRO Aerospace Engineering and RGIPT Petroleum Engineering. Could you please guide and rank them in order of preference. Regards
Ans: IIT Bombay’s five-year Dual Degree in Electrical Engineering (BTech+MTech) combines world-class accreditation, cutting-edge labs in power systems, signal processing and embedded hardware, PhD-level faculty mentorship and strong industry ties, achieving around 98% placement consistency across core and technology sectors over the past three years. UIET (Chandigarh) CSE, a NAAC A+-accredited programme, delivers specialized AI/ML and software-development curriculum through modern computing labs and corporate partnerships with Amazon, Google and Microsoft, yielding roughly 86.6% branch-wise placements and extensive pre-placement training. RGIPT’s BTech in Petroleum Engineering, as an Institution of National Importance, offers specialized labs for upstream and downstream processes, collaborations with ONGC and HPCL, and records a robust 85–90% placement rate in core energy firms and research organisations. NSUT’s ECE programme, NBA-accredited within a top-ranked government institute, provides advanced VLSI, communications and IoT facilities, with an average placement consistency near 75% and access to both central and campus-based recruitment drives. IIST (Thiruvananthapuram) Aerospace Engineering, under the Department of Space, features avionics-centric labs, direct ISRO research engagement and specialized faculty but sees moderate 76–78% (placements subject to annual recruitment policy and CGPA criteria & other eligibility criteria).

Recommendation Prioritise IIT Bombay Dual Degree Electrical Engineering for its unmatched brand prestige, near-universal placement consistency and premium research-industry ecosystem; next opt for UIET Chandigarh CSE for its strong 86.6% placement rate, specialized AI/ML labs and leading software recruiters; follow with RGIPT Petroleum Engineering for its national importance status, 85–90% core-sector placements and energy-industry linkages; choose NSUT ECE for its established government-institute credentials, robust communications infrastructure and solid placement pool; consider IIST Aerospace Engineering last for its unique ISRO collaborations and specialized avionics focus, acknowledging variable absorption pathways (placements subject to annual recruitment policy and CGPA criteria & other eligibility criteria). All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x