planning to invest 30lacs expectinG 18% CAGR PLS SUGGEST

Ans: kindly opt for STP route and you can do this in HDFC sensex fund and PPFAS flexi cap fund along with canara robeco hybrid equity fund

Ans: Hello Rajesh and thanks for writing to me. I am assuming you have Rs.25 Lakh and want to invest the funds.

As a general idea, you can consider deploying Rs.25 Lakh in across 5 funds equally in the below schemes:

1-Edelweiss NIFTY 100 Quality 30 Index Fund-Rs.5 Lakh
2-SBI Focused Equity Fund-Rs.5 Lakh
3-UTI MNC Fund-Rs.5 Lakh
4-DSP Quant Fund-Rs.5 Lakh
5-SBI Blue Chip Fund-Rs.5 Lakh

If you can share your risk appetite, goals, time horizon etc, I may recommend other schemes to you.

Ans: To plan your investment of Rs. 30,00,000, your financial advisor would require many details from you including client age, risk profile, current asset allocation, investment time horizon, etc.

As you are investing your major corpus in the market, we recommend youto link all your financial goals (Child Education, House Purchase, etc.) with your investments and make the portfolio diversified into mutual funds, FDs, and Bonds to manage your risk level.

Please connect with your financial planner for proper goal-based planning and a detailed explanation of the same.

Ans: Since you're retiring soon and looking for safe investment options with potentially good returns, here are some options to consider:
Senior Citizen Savings Scheme (SCSS): SCSS is a government-backed savings scheme for individuals above 60 years of age. It offers quarterly interest payouts and has a tenure of 5 years, which can be extended once for an additional 3 years.

Post Office Monthly Income Scheme (POMIS): POMIS is a low-risk investment option offered by India Post. It provides monthly interest payments and has a maturity period of 5 years.

Bank Fixed Deposits (FDs): FDs are a popular choice for conservative investors. Look for banks offering competitive interest rates and consider opting for cumulative or non-cumulative FDs based on your income needs.

Debt Mutual Funds: Debt mutual funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They offer relatively higher returns than traditional fixed-income options like FDs and are tax-efficient for investors in higher tax brackets.

Systematic Withdrawal Plan (SWP): If you prefer investing in mutual funds, you can consider setting up an SWP to generate regular income from your investment while staying invested in the market.

Assess your risk tolerance, investment horizon, and income requirements before finalizing your investment strategy. Consider consulting with a financial advisor to create a customized retirement plan that aligns with your financial goals and needs.

Ans: I would suggest you to visit a SEBI Registered Investment Advisor and seek advice from them. The following link will help you to find the nearest Adviser for you.
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13