Sir, I have two mutual fund 1. ABSL Frontline equity fund grow 2000 per month started before 6 years 2. SBI Large and Midcap fund regular growth 2000 per month started before 3 year. I want to continue these fund till my retirement. My current age is 38 years. So how much value of my fund I can expect till my retirement if continue investing same amount in these fund. Or should I switch in other fund for better growth.

Ans: Assessing Mutual Fund Investments for Retirement Planning
As a Certified Financial Planner, I appreciate your proactive approach towards securing your financial future through mutual fund investments. Let's evaluate your current investment strategy and analyze the potential growth of your funds till retirement.

Understanding Your Investment Portfolio
Your investment portfolio consists of two mutual funds:

Aditya Birla Sun Life Frontline Equity Fund
SBI Large and Midcap Fund
Genuine Appreciation for Consistent Investing
I commend you for maintaining disciplined investments in mutual funds over the years. Consistent investing is key to achieving long-term financial goals.

Analyzing Growth Potential
Pros of Continuing Current Funds:
Historical Performance: Both funds have demonstrated consistent performance over the years, indicating their potential for growth.
Diversification: The combination of a large-cap and large & mid-cap fund provides diversification across market segments, reducing risk.
Cons of Switching Funds:
Exit Load and Capital Gains Tax: Switching funds may incur exit loads and capital gains tax, impacting your overall returns.
Market Timing Risk: Timing the market to switch funds involves uncertainty and may lead to missed opportunities or losses.
Assessing Future Growth Potential
While past performance is a crucial factor, it's essential to consider future growth potential. As you approach retirement, focus on funds with a track record of consistent performance and stability.

Considerations for Retirement Corpus Estimation
Estimating the future value of your investments till retirement involves various factors:

Current investment value
Expected rate of return
Investment duration
Monthly SIP amount
Conclusion and Recommendation
Given your current investment horizon and retirement goal, I recommend the following:

Stay Invested: Continue investing in the current mutual funds, as they offer growth potential aligned with your retirement timeline.
Monitor Performance: Regularly review the performance of your funds and make adjustments if necessary, based on changing market conditions or personal financial goals.
Diversify: Consider diversifying your investment portfolio over time by adding other asset classes such as debt or hybrid funds to manage risk effectively.
Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in