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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 08, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by shivu on Sep 08, 2025Hindi

Hi sir My self shiingam,am 39 years Am invested in staggered manner in equity mutual funds from 4 years,the invested amount is 52L , recently I had invested more ,the portfolio value is 67L, additionally started with 55k sip Suggest me when my portfolio will reach 1cr? Whether am doing the right thing since I have incorporated all savings excluding pf into equity By 2030 I need financial stability I have family with dependent mother,father wife and son I have below investment 1.6500 monthly postal insurance for my son it will mature byb2030 2.existing sips 3.Pf about 17L 4.health insurance upto 15L I have taken Whether am in right track? Since near to retirement I have a dream to make farm land in future with theese investment is it achivieble? Or shall I continue some more sip and lump sump investment ?

Ans: You have done very well so far. You have taken action early. You have discipline in savings. This builds a strong base for your family’s future. Many people keep waiting. You are already moving forward. That deserves appreciation.

Here is a full and detailed view of your situation. This covers the risk, growth, and safety side together. This gives you a 360-degree plan.

» current position analysis
– You are 39 now. You still have long working years.
– You have Rs. 67L in equity mutual funds. This is a solid start.
– You are adding Rs. 55k every month through SIP. This adds growth speed.
– You have Rs. 17L in PF. This adds stability to your portfolio.
– You have postal insurance for your son. It will mature in 2030. That is a good safety plan for his future.
– You have Rs. 15L health cover. This is very important. This protects your savings during health emergencies.
– You are responsible for your parents, wife, and son. Your plan must protect them too.

This mix is good. You have growth assets and safety assets. You have not locked all money in illiquid areas. You have flexibility. That is very important near retirement.

» growth expectation from equity mutual funds
– Equity mutual funds need time. Short term is always volatile.
– You have already seen growth from Rs. 52L to Rs. 67L. This is a positive sign.
– With disciplined SIPs, the power of compounding works well.
– Reaching Rs. 1 Cr depends on returns and new investments.
– If the market grows at a reasonable pace, your portfolio may touch Rs. 1 Cr within 3 to 4 years.
– Sometimes markets stay flat. Then it may take 5 years.
– Staying invested and continuing SIPs is the key. Stopping now will delay the target.

» is the current approach right
– Your current plan is sensible.
– You are using equity mutual funds for growth.
– You are not depending on random stocks. You are using managed funds. This lowers risk.
– You have PF for stability.
– You have insurance for protection.
– You are investing for your son.
– This mix is balanced between growth and safety.

But you need to keep reviewing. As you reach closer to retirement, you must shift some money to safer options. This will protect you from market falls near the time of need.

» on allocating all savings to equity
– It is fine now as you are 39.
– Equity builds wealth for long-term needs.
– But do not keep emergency money in equity.
– You must keep at least 6 to 9 months’ expense in liquid safe funds or bank.
– This money should be easy to withdraw and without risk.
– If not yet done, create this emergency fund.
– Then continue SIPs with balance money.

» building the farm land dream
– Buying a farm land is an emotional goal. It is not only a financial decision.
– You need to check legal clear titles, water, road access, and permissions.
– Real estate does not create income until sold or leased.
– If your dream is for own use, you can plan later.
– Do not disturb your retirement corpus for it.
– First secure retirement income. Then plan farm land with surplus.

» safety as you near retirement
– Your plan is to have financial stability by 2030.
– You have around 6 years.
– This is a short period for equity. You must be careful with risk.
– Slowly shift some part to safer debt mutual funds, tax efficient bonds, or deposits.
– Do not move everything at once. Use gradual transfer.
– Keep growth assets for long-term needs. Keep safe assets for near-term use.
– This protects against sudden market drops before you use the money.

» importance of reviewing insurance
– You have health insurance of Rs. 15L. Good step.
– But check if all family members are covered.
– Also check if parents are under cover. If not, consider separate senior citizen cover.
– Life cover is also important. You did not mention term insurance.
– If not taken, you must take term insurance equal to 10 to 15 times your yearly income.
– This protects your family in case of an unexpected event.
– Do not depend on postal or LIC plans for protection. They are mainly savings, not strong risk cover.

» about lump sum and more SIPs
– You can continue SIPs. It is the best way to average cost.
– You can add lumpsum if there is surplus.
– But never invest emergency or short-term money in equity.
– All extra long-term money can be put in lumpsum during market dips.
– If you are unsure about timing, stick to SIP. It removes timing stress.

» action plan from here
– Keep your current SIPs running.
– Increase SIPs by 5-10% every year if income grows.
– Keep emergency fund safe and separate.
– Review insurance cover and fill gaps if any.
– Check your mutual funds once a year. Make sure they are performing better than peers.
– Start a shift plan from equity to safer debt instruments at least 2 years before your target use.
– Do not chase very high returns. Protect what you have built.
– Avoid direct stocks, high-risk bets, or speculative ideas.

» understanding long-term peace
– Wealth is not only about returns. It is about peace of mind.
– When you know your family is safe, health is covered, and income is planned, you can focus on your own dreams.
– You are already ahead of many people in preparation.
– The key now is discipline and regular review.

» final insights
– Your current approach is good.
– You are on track for Rs. 1 Cr target well before 2030.
– Keep focus on balanced growth and safety.
– Do not lock all money in land or property. Keep flexibility.
– Reinvest matured LIC or postal money in better yielding safe instruments at that time.
– The dream of farm land is achievable. But do it only after securing retirement income.
– With your discipline, you can retire with peace, dignity, and freedom to pursue personal goals.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

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