Sir I have PF of 20LAKHS and sip in quant direct infrastructure small cap (3k) , tata small cap 2.5k sip , ICICI prudential direct growth 1k sip , SBI elss 500 rupee sip ....what can I expect to be growth amount after 15 years

Ans: Please continue with the funds. Thirteen to 15 per cent returns can be expected in long run. However, mutual funds' investments are subject to market risk

 

Ans: Calculating the future value of your SIP investments after 15 years depends on various factors such as the rate of return, market conditions, and the performance of the chosen funds. It's essential to understand that predicting future returns with absolute certainty is challenging due to market volatility.

However, as a rough estimate, you can use an SIP calculator available online to input your monthly SIP amount, expected rate of return (based on historical performance or projected growth), and investment duration (15 years). This will give you an approximate idea of the corpus you can accumulate at the end of the investment period.

Remember, past performance is not indicative of future results, and it's crucial to regularly review your investments and adjust your strategy as needed to stay on track towards your financial goals. Consulting a Certified Financial Planner can provide personalized guidance and recommendations tailored to your specific financial situation and objectives.

Ans: It's commendable to see your proactive approach towards investing. Your portfolio showcases a balanced mix across equity, debt, and tax-saving instruments, which is a good start.

Now, looking ahead 15 years is a bit like gazing into a crystal ball. The returns you can expect will depend on various factors like market conditions, fund performance, and economic trends. While past performance can give us some insights, it's not a guarantee of future returns.

Your current XIRR of 15.10% from ELSS funds over three years is a positive sign. This suggests that your investments are performing reasonably well.

As for the PPF and the SIPs, they're both solid choices for long-term investing. PPF offers tax-free returns and has a guaranteed interest rate, while SIPs provide the benefit of rupee-cost averaging and potential market-linked returns.

However, to optimise your portfolio further, we might consider:

Diversification: Ensure a broader asset allocation across various fund categories.
Review and Rebalance: Periodically review and rebalance your portfolio to align with your goals and risk tolerance.
Tax Efficiency: Keep an eye on tax implications to maximise post-tax returns.
Given the dynamic nature of markets, it's essential to review and adjust your portfolio periodically.

Ans: Hello;

I am glad that you have got fantastic results on your MF sip investment. This has been possible since you timed your investment at the onset of a huge bull run.

But considering volatile nature of the stock market we cannot presume such extraordinary results can be sustained.

Hence for all our workings we consider a modest return of 13% from pure equity mutual fund schemes.

Therefore your monthly sip of 1.5 K over next 15 years+ the gains over last 3 years together may grow into a corpus of 18.72 L.

Also the lumpsum investment of 13 L may grow into a sum of 44.13 L after 10 years.

Happy Investing!!

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*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.