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Samraat

Samraat Jadhav  |2392 Answers  |Ask -

Stock Market Expert - Answered on Jun 03, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Pawan Question by Pawan on Jun 02, 2024Hindi
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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: if your SIP of 7000 grows by 15% annually the amount after 15yrs would be RS.4679547/-
PF of 2000000 grows by 7.5% annually the amount after 15yrs would be Rs. 5917754/-
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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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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Hello sir, I have started investing recently through monthly SIPs of Rs.5000 in ICICI equity and debt fund, Rs.6000 in Bandhan Elss fund, Rs.7500 in UTI Nifty 50, Rs.5000 in Parag Parikh Flexi cap, Rs.2000 in Mirae Asset Large Cap and Rs.1500 in kotak Flexi cap Also, I have 300000 in PPF. And I am planning to invest 150000 yearly in it and 2.18 lakh already invested in ELSS funds since the last 3 years and their XIRR is 15.10% today. How much return I can expect in 15 years? What changes I should do in my portfolio?
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.

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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sbi small cap direct growth 15 year return tell me sir ? and if i invest 15k month sip then how many year create 1 cr and more that ?
Ans: Investing in small-cap funds can offer high returns over the long term. However, they come with higher volatility and risks. Let’s address your question about achieving Rs 1 crore through a Rs 15,000 SIP and the performance of small-cap funds.

Historical Returns and Small-Cap Funds
Small-cap funds have historically delivered returns ranging from 12% to 15% annually over 10-15 years.

These funds perform well during bullish market cycles but may underperform during downturns.

Always consider the long-term horizon to average out market volatility and benefit from compounding.

Time to Achieve Rs 1 Crore with Rs 15,000 SIP
At an assumed return of 12%, it takes 19 years to reach Rs 1 crore.

At an assumed return of 15%, it takes 15 years to reach Rs 1 crore.

Staying disciplined and investing consistently is critical to achieving your financial goals.

Disadvantages of Direct Funds
Direct funds require market expertise, time, and effort for continuous tracking.

Many investors face challenges in monitoring performance and making timely decisions.

Investing through a Certified Financial Planner ensures better fund selection and portfolio optimisation.

Regular funds provide personalised guidance, helping maximise your returns efficiently.

Importance of Small-Cap Funds in Your Portfolio
Small-cap funds are ideal for long-term investors looking for aggressive growth.

These funds can deliver substantial wealth but carry higher risk compared to large- and mid-cap funds.

Balancing small-cap funds with other categories diversifies risk and improves stability.

Actively Managed Funds vs. Index Funds
Actively managed funds leverage fund managers' expertise to identify growth opportunities.

Small-cap segments often outperform benchmarks through active management due to inefficiencies in the market.

Index funds, in comparison, are passive and miss out on stock-specific opportunities.

Actively managed funds ensure dynamic adjustments based on market conditions, unlike index funds.

Monitoring Your Investment
Regular reviews help track your SIP’s progress toward Rs 1 crore.

Rebalancing your portfolio periodically maintains an ideal asset allocation.

Seek professional guidance for optimising returns while managing risks.

Taxation for Small-Cap Funds
Long-term capital gains (LTCG) over Rs 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20% for equity mutual funds.

Consider these taxes while calculating the net growth of your portfolio.

Finally
A Rs 15,000 SIP in small-cap funds can help you achieve Rs 1 crore in 15 years at 15%.

Focus on long-term discipline and diversify your portfolio for consistent growth.

Prefer actively managed funds for small-cap investments to capitalise on professional expertise.

Stay committed to your financial plan while regularly reviewing and rebalancing your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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