Thanks for your kind advice, it's better if you can suggest some instrumnets/ funds to invest the corpus

Ans: Hello. Thanks for writing to me. To create a corpus of Rs.5 Crore in the next 20 years, you will need to invest Rs.50,000 every month.

Ans: I have no idea of your goals, risk profile, asset allocation, past investment experience so its difficult to answer this but the best way is to allocate this to Large, Mid & small cap mutual funds equally

Ans: With a monthly savings of 50,000 INR, you have a substantial amount to invest in mutual funds for both your retirement and your children's education. Here's a diversified portfolio you could consider:

Large Cap Funds: Invest around 30% of your savings in large-cap funds for stability and steady growth. These funds invest in established companies with a track record of performance.

Multi-Cap Funds: Allocate 30% of your savings to multi-cap funds, which offer exposure to companies of various sizes and sectors. These funds provide flexibility and potential for higher returns.

Mid Cap Funds: Dedicate 20% of your savings to mid-cap funds for potential high growth. These funds invest in medium-sized companies with growth potential.

Small Cap Funds: Allocate 10% of your savings to small-cap funds for aggressive growth potential. These funds invest in small-sized companies with high growth prospects.

Balanced/Hybrid Funds: Invest the remaining 10% in balanced or hybrid funds for diversification and stability. These funds invest in a mix of equities and debt instruments.

Remember to review your portfolio regularly and make adjustments as needed based on your financial goals and market conditions. Additionally, consider consulting with a financial advisor to tailor a strategy that aligns with your specific needs and risk tolerance.