Hi Ulhas, I am 43 years old. I have a monthly sip of 35k going on. I have started investing in mutual fund and sip from year 2013. Total mutual fund plus sip current market value is 1 core 9 lakhs . I plan to invest 35 k per month more for 7 to 8 years , when i want to leave job and do something else. Can you tell me what will be my corpus in 7 to 8 years down the line taking both current valution plus what i am going to continue investing?

Ans: For an equity oriented portfolio, historically 12% p.a. returns can be expected over the investment horizon of 5+ years.
Your portfolio has already completed a decent investment horizon and it is easy to assume 12% returns for it. If you continue with accumulated bulk corpus along with SIPs of Rs. 70,000, you will be accumulating Rs. 3.95 Cr approx. down the line of next 7-8 years.

If your portfolio is aligned towards mid, small cap, or highly aggressive funds. The actual portfolio value can be different from the above mentioned value. But as you are planning to retire, I recommend you not to add additional risk in your portfolio, just for sake of 1-2% additional returns over existing funds.

Ans: Hello and thanks for writing to me. Congratulations on being disciplined and consistently investing for a decade which has helped you created a corpus of Rs.1.09 Crore.

Let me answer this in 2 parts:
1-Assuming that the corpus of Rs.1,09 Crore continues to grow at 12%, you will have a corpus of around Rs.2.7 Crore.

2-Your fresh monthly SIP's of 35K for a period of 8 years compounding at 12% will give you a value of Rs.56 Lakh.

Your total corpus will be an estimated Rs.3.3 Crore.

Please note that these numbers are assuming a growth of 12% and not guaranteed.

Ans: Given your current mutual fund holdings and your plan to invest an additional ?35,000 per month for the next 7 to 8 years, your corpus is likely to grow significantly. The exact amount depends on various factors like market performance, fund selection, and economic conditions.

Since you've been investing since 2013 and already have a substantial corpus of ?1.09 crores, continuing your disciplined approach to investing is commendable. By consistently adding to your investments, you're likely to benefit from the power of compounding.

However, it's essential to keep in mind that investment returns are subject to market volatility. While past performance can provide insights, it's not a guarantee of future results. Regularly reviewing your portfolio, staying informed about market trends, and consulting with a financial advisor can help you make informed decisions aligned with your financial goals.

Ans: MF's - Roughly 3.25 cr assuming 12% returns on the investment for the next 8 years.
VPF, PF, EPF is difficult to say as the rate keeps changing

Ans: It is really great to see that you have started to plan for your post-retirement life and you have accumulated ample amount till now.

If you continue in the same way with a monthly SIP of Rs. 80,000, I am convinced that you will have enough corpus to support yourself throughout retirement.

Accumulated corpus in 8 years with monthly investment of 80,000 and present value 1.09 Crore will likely be 4.12 Crores. Rate of return considered for the calculation is 12% CAGR.

Assuming that you want to maintain your current monthly expense of ₹1 lakh in retirement, it is important to factor in inflation, which will erode the value of your money over time.

Since you have other avenues as well to support your expenses, this will help to create a heftier corpus.

Recommendations:
• Invest in a mix of equity and debt mutual funds to diversify your portfolio and reduce risk.
• Rebalance your portfolio regularly to maintain your appropriate asset allocation as per your requirement.
• Consult with a financial advisor to develop a comprehensive retirement plan.