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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Mar 28, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Raghu on Mar 05, 2024Hindi

Money

Hi, I'm starting my investment in below MFs, I'm 36 years old. Can you provide inputs for the below funds. I can invest upto 125000/-. My goal is to accumulate 5cr corpus in 10years. Tata Small Cap - 14000/- Canara Robeco Small Cap - 12500/- Edelweiss Small Cap - 12500/- Mirae Asset Midcap Fund - 12500/- Motilal Oswal Midcap Fund- 12500/- Quant Active Fund - 25000/- Parikh Flexi Cap - 25000/- Mirae Asset Global X Artificial ETF - 11000/-

Ans: Knowing that you are making plans to reach your objective is constructive. After analyzing your current investment, you will have approx Rs 2.87 Cr in 10 years considering your monthly investment (SIPs) of Rs 1.25 Lakhs over 10 years.

While calculating above computation, we have taken the rate of return @12% p.a.
Your portfolio is more aligned towards small cap category. We suggest you to take some exposure towards Large Cap & Hybrid Fund categories too. Proper diversification helps the portfolio to generate & preserve the wealth in the long-term investment horizon.

For achieving the goal of Rs 5 Cr, we suggest you to increase your SIPs by Rs 95,000/- or invest the bulk (one time) Rs 70 Lakhs/-. You could also have a combination of the same and aim to increase your SIPs over the years as you get more financial ability to do so.

Note: We have assumed the monthly investment of Rs 1.25 Lakhs, while providing our recommendation.

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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I hv just started my investment in MFs. I am 24yrs and want to make a corpus of Rs. 3 to 4 Cr by investing in MFs in 20 to 25 yrs. Pls guide me how can I achieve my target. DSP MID CAP Rs 5KCANARA ROBECO EMERGING (R) G Rs 5K AXIS MID CAP Rs 3K SBI FOCUSED EQUITY (R) G Rs 5K ICICI PRU FLEXICAP G Rs 5K AXIS ESG FUND Rs 10K I CAN ALSO INVEST IN LUMP SUM OF RS. 2.00LAC. Looking forward to your advice. Omkeshwar Singh Please continue and yes you may invest Rs. 2 lakh as lump sum proportionally in all the above funds. Abhsihek Sarin: This is in regards to your Ask MF Guru section on Rediff.com. Requesting your advice on and review of the following investments. I have recently started a mutual fund portfolio at age 25, with monthly SIPs totalling Rs 8500, and targeting a total monthly investment of Rs 10000. The mutual funds I have currently invested in are: Aditya Birla Sun Life Corporate Bond Fund Direct Growth - Rs 3000 monthly SIP Mirae Asset Tax Saver Fund Direct Growth - Rs 1500 monthly SIP Axis Small Cap Find Direct Growth - Rs 1500 monthly SIP ICICI Prudential Technology Direct Plan Growth - Rs 2500 monthly SIP Risk appetite is very high; annual step up is targeted at 15% and the aim is to achieve Rs 1cr corpus in 15 years from today i.e. age 40. Please review the above investments, and also suggest a moderate risk mutual fund to invest the remaining Rs 1500.

Ans: Portfolio is fine and it's good that you have started investing early. For moderate risk you may look at hybrid funds in balanced advantage category.

Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jul 23, 2023

Question by Raghu - Jun 06, 2023Hindi

Money

Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: It seems that your portfolio is over diversified. Every category should include one or maximum two funds of any category but it in your case there are more than 2 funds which will affect the portfolio.

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Question by Raghu - Jun 20, 2023Hindi

Money

Raghu Asked on - Jun 06, 2023 Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: Funds are good and the best part is your goal is for 15yrs which is a good sign of investing.
with 18% of overall returns with these funds your corpus at the end would be Rs. 7,42,41,062/-
with 20% of overall returns with these funds your corpus at the end would be Rs. 8,92,08,227/-
with 22% of overall returns with these funds your corpus at the end would be Rs. 10,72,60,404/-
so watch accordingly on the returns and track funds.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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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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