Hi Nikunj, I am 43 years old. I have a monthly sip of 35k going on. I have started investing in mutual fund and sip from year 2013. Total mutual fund plus sip current market value is 1 core 9 lakhs . I plan to invest 35 k per month more for 7 to 8 years , when i want to leave job and do something else. Can you tell me what will be my corpus in 7 to 8 years down the line taking both current valution plus what i am going to continue investing?

Ans: To calculate your corpus in 7 to 8 years down the line, we need to make some assumptions:

• Investment amount: 35k per month
• Existing Investments : Rs.1.09 Crore
• Investment horizon: 7 to 8 years
• Expected return: 12% per annum

Using a compound interest calculator, we can calculate the following:
Corpus = Investment amount * (1 + Expected return) ^Investment horizon

You will accumulate around Rs.3.3 Crores approximately after 8 years

Note: These are just estimates, and the actual corpus may vary depending on the actual investment returns.

Tips to help you reach your goals:

• Continue to invest regularly. Even if you can only invest a small amount each month, it will add up over time.
• Rebalance your portfolio regularly. This means selling some of your winners and buying more of your losers to maintain your desired asset allocation.
• Don't panic sell. The market will inevitably go up and down, but don't let your emotions get the best of you. Stay focused on your long-term goals and don't sell your investments when the market is down.

Ans: Hello and thanks for writing to me. Congratulations on being disciplined and consistently investing for a decade which has helped you created a corpus of Rs.1.09 Crore.

Let me answer this in 2 parts:
1-Assuming that the corpus of Rs.1,09 Crore continues to grow at 12%, you will have a corpus of around Rs.2.7 Crore.

2-Your fresh monthly SIP's of 35K for a period of 8 years compounding at 12% will give you a value of Rs.56 Lakh.

Your total corpus will be an estimated Rs.3.3 Crore.

Please note that these numbers are assuming a growth of 12% and not guaranteed.

Ans: Given your current mutual fund holdings and your plan to invest an additional ?35,000 per month for the next 7 to 8 years, your corpus is likely to grow significantly. The exact amount depends on various factors like market performance, fund selection, and economic conditions.

Since you've been investing since 2013 and already have a substantial corpus of ?1.09 crores, continuing your disciplined approach to investing is commendable. By consistently adding to your investments, you're likely to benefit from the power of compounding.

However, it's essential to keep in mind that investment returns are subject to market volatility. While past performance can provide insights, it's not a guarantee of future results. Regularly reviewing your portfolio, staying informed about market trends, and consulting with a financial advisor can help you make informed decisions aligned with your financial goals.

Ans: MF's - Roughly 3.25 cr assuming 12% returns on the investment for the next 8 years.
VPF, PF, EPF is difficult to say as the rate keeps changing