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How can I build a 25 crore corpus by early retirement?

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

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
Asked by Anonymous - Jun 23, 2024Hindi
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I am 23 yrs old unmarried person seeking to enhance my corpus in crores. Currently having an SIP of 12k a month in small cap and one in mid cap, investing from last 6 months. I need a to make my corpus of 25 Cr. at the age of retirement but before that I want to invest my money in such manner that it could easily generate a handsome amount of money to pay my bills, monthly expenses. My current expenses are not more than 8k and I am earning 30k a month. Apart from my sip I have a invested in SGB 5 units and a small FD of 50k What are best other investments I could do, so that it sets me free to enjoy my life at a very young age?

Ans: Current Financial Position
You are 23 years old, earning Rs. 30,000 monthly. Your expenses are Rs. 8,000 per month. You have an SIP of Rs. 12,000 in small-cap and mid-cap funds, 5 units in Sovereign Gold Bonds (SGB), and an FD of Rs. 50,000. You aim to build a corpus of Rs. 25 crores by retirement and want to generate a steady income to cover your expenses before that.

Investment Strategy for Long-Term Growth
SIP in Diversified Funds

Your SIP in small-cap and mid-cap funds is a good start. Continue these investments, but also consider adding large-cap and multi-cap funds. This diversification reduces risk and ensures steady growth.

Increase SIP Contributions

Try to increase your SIP contributions as your income grows. Regularly increasing your SIP amount can significantly enhance your corpus over time.

Equity Investments

Equity investments generally offer higher returns over the long term. Apart from SIPs, consider investing in individual stocks of well-established companies. This requires careful research or the guidance of a Certified Financial Planner (CFP).

Public Provident Fund (PPF)

Invest in PPF for a secure and tax-efficient option. PPF offers good returns and is a safe investment. Aim to contribute the maximum limit annually to benefit from compounding over the years.

Diversify with Gold

Your investment in SGB is good. Gold is a hedge against inflation and adds diversification to your portfolio. Continue investing in SGB periodically.

Investment Strategy for Regular Income
Dividend-Paying Stocks

Invest in dividend-paying stocks. They provide regular income and can be a good source of cash flow. Choose stocks from companies with a strong track record of paying dividends.

Monthly Income Plans (MIPs)

Consider investing in Monthly Income Plans. These mutual funds focus on generating regular income with a mix of debt and equity investments. They offer better returns than fixed deposits and provide regular payouts.

Rental Income from Real Estate

Since real estate isn't recommended, consider investing in Real Estate Investment Trusts (REITs) instead. REITs offer exposure to real estate markets and generate rental income without the hassle of property management.

Financial Discipline and Emergency Fund
Maintain an Emergency Fund

Build an emergency fund covering at least 6-12 months of living expenses. This fund ensures financial stability in case of unexpected events and prevents you from dipping into your investments.

Automate Savings

Automate your savings and investments. Set up automatic transfers to your SIPs, PPF, and other investment accounts. This ensures consistent saving and investing habits.

Track and Review Investments

Regularly track and review your investments. Adjust your portfolio based on market conditions and changes in your financial goals. Consulting a CFP can help you make informed decisions.

Final Insights
You have a strong financial foundation and clear goals. Diversify your investments across different asset classes for balanced growth and regular income. Increase your SIP contributions and maintain financial discipline. Regular reviews and adjustments will keep you on track to achieve your long-term goal of building a Rs. 25 crore corpus and enjoying financial freedom.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I am 42 years old, my annual income is 10Lakhs and i want to make corpus of 3cr within 18 years. Presently my investments in SIP's are: HDFC mid cap opportunities fund Rs. 3000; ABSL Equity advantage fund Rs. 3000; UTI Nifty 50 Index fund Rs.5000; Nippon Small Cap Fund Rs.2000; Parag Parikh flexi cap fund Rs. 2000; Quant multi asset fund Rs.2000; Kotak emerging equity fund Rs.1500; Tata Digital India Fund Rs. 1500. Requesting your recommendations on these and advice on furher investment if any....Thank You
Ans: You've built a diversified portfolio with a mix of large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds, which is a good start towards your ambitious goal. Here are some considerations and recommendations:

Asset Allocation: Given your goal and age, you might want to tilt your portfolio towards more equity-oriented funds. While equities carry higher risk, they also offer potential for higher returns over the long term.
Review & Rebalance: Periodically review your portfolio to ensure it aligns with your goals and risk tolerance. Rebalance if necessary to maintain your desired asset allocation.
Increase SIP Amounts: With a target corpus of 3 crores in 18 years, you might need to consider increasing your SIP amounts annually to account for inflation and potentially higher returns.
Diversification: Ensure you're not overly concentrated in a single asset class or sector. Diversification across asset classes and market caps can help spread the risk.
Consult a Financial Advisor: Given the complexity of financial planning, it might be beneficial to consult a financial advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance.
Remember, investing is a journey, not a destination. Consistency, discipline, and periodic reviews are key to achieving your financial goals.

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I am Sandip Kumar Sahu, 27-year-old. My monthly in-hand salary is 57,000 after deduction of 7500 in PPF. I have a SIP of 10,000 per month and have a portfolio of 1 lakh and every month I buy some stock and have a portfolio of 1 lakh. I manage to save 10-15k after all this investment. How can I best invest these savings to generate a corpus of Rs 10 crore by the time I turn 55 years. Please help me achieve my financial dream.
Ans: Sandip, you're already on a good path with your savings and investments at this young age. Your aspiration of achieving a 10 crore corpus by 55 is ambitious and achievable with disciplined planning.

Firstly, ensure you have an emergency fund set aside, typically 3-6 months of living expenses. Once that's in place, focus on building a diversified investment portfolio.

Given your age and risk appetite, consider allocating a significant portion (around 70-80%) to equity investments for higher growth potential. Equity mutual funds or index funds can be good choices for systematic and disciplined investing.

For the remaining 20-30%, consider debt instruments like fixed deposits or debt mutual funds for stability and to balance out the risk.

Regularly review your portfolio, adjust your investments based on market conditions and your financial goals. Remember, the key is consistency and patience. Compound interest will play a significant role in growing your wealth over time.

Lastly, consider consulting a financial advisor to tailor a plan specific to your needs and aspirations. Here's to your financial success!

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Asked by Anonymous - May 10, 2024Hindi
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Hello sir, I am 33 years old working as a software professional. I have a mothly SIPs that I started earlier this year of 30000 rupees which was divided into 10000 rs for ICICI Prudential bluechip fund direct growth large cap, 10000 rs for motilal oswal midcap and 5000 rs each in Quant small cap and Aditya birla sunlife PSU fund. Along with this I have couple of life insurance policies with LIC on my name and one each for my wife and kid altogether I'm paying premium of 3 lakhs per annum. I also invested in real estate and bought a land worth 40 lakhs. I'm planning for my retirement at the age of 45 and want to know best ways for investment to build my corpus and earn 2 lakhs per month from it post retirement which suffices my needs adjusting to inflation.
Ans: Your commitment to securing your financial future is commendable, and your portfolio reflects a mix of investments. Let's analyze your current strategy and chart a path towards your retirement goal.

Starting with your SIPs, allocating funds across different categories like large-cap, mid-cap, and small-cap indicates a balanced approach to risk and growth. However, it's essential to review your portfolio periodically to ensure it aligns with your changing goals and market conditions.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:

Advantages of Investing Through a Mutual Fund Distributor (MFD):

• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Your life insurance policies provide financial protection for your family, which is crucial. However, it's advisable to evaluate if the coverage meets your evolving needs and if there are more cost-effective options available.

Investing in real estate can be lucrative, but it comes with its own set of challenges like liquidity issues and market volatility. Considering your retirement goal, diversifying your investments beyond real estate might be prudent.

To achieve your retirement target of ?2 lakhs per month adjusted for inflation, you'll need a substantial corpus. Considering your age and retirement timeline, investing in a mix of equity, debt, and other asset classes is essential.

Since you're aiming for early retirement, focusing on growth-oriented investments with higher returns potential could be beneficial. Regular reviews with a Certified Financial Planner can help fine-tune your strategy and maximize returns while managing risks.

Additionally, exploring tax-efficient investment avenues like Equity Linked Savings Schemes (ELSS) and PPF can optimize your tax outgo and enhance your corpus over time.

Remember, building a retirement corpus requires discipline, patience, and a well-thought-out strategy. Stay committed to your savings plan and adapt to changes in your financial landscape.

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

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Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

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Hi Iam 26 years old earning 75k per month and I have car loan of 6 lakhs rupees and Iam investing around 10 k in sip splitted across small,large and Elss funds,and having 3 units of SGB and around RD of 1,50,000 and started term insurance of 1 cr rupees and I like to get corpus around 20 cr while retiring .Please suggest some diversified investment to achieve this corpus.
Ans: Current Financial Situation
Age: 26 years
Monthly Salary: Rs 75,000
Car Loan: Rs 6 lakhs
SIP Investments: Rs 10,000 in small, large, and ELSS funds
SGB Holdings: 3 units
Recurring Deposit (RD): Rs 1,50,000
Term Insurance: Rs 1 crore
Financial Goals
Build a retirement corpus of Rs 20 crore
Evaluation and Analysis
Existing Investments
Your SIPs in small, large, and ELSS funds are a good start for diversified growth.
Sovereign Gold Bonds (SGB) provide a hedge against inflation.
The recurring deposit adds stability to your portfolio but offers lower returns.
Debt Management
Your car loan of Rs 6 lakhs needs to be managed efficiently. Consider prepaying it to reduce interest burden.
Recommendations
Increasing SIP Contributions
To achieve a Rs 20 crore corpus by retirement, you need a disciplined and diversified investment approach.

Large Cap Fund: Increase your SIP to Rs 5,000 monthly. Large cap funds provide stability and steady growth.

Mid Cap Fund: Start a SIP of Rs 3,000 monthly. Mid cap funds offer higher growth potential with moderate risk.

Small Cap Fund: Continue your existing SIP of Rs 3,000 monthly. Small cap funds can deliver high returns over the long term.

ELSS Fund: Continue investing Rs 4,000 monthly. This not only provides tax benefits but also offers good returns.

Additional Investment Options
Flexi Cap Fund: Start a SIP of Rs 3,000 monthly. This fund adjusts investments across market caps based on market conditions.

International Fund: Start a SIP of Rs 2,000 monthly. This adds geographical diversification and reduces country-specific risks.

Managing Existing Debt
Car Loan: Aim to prepay the car loan as soon as possible. This will free up additional funds for investment.

Recurring Deposit: Gradually shift from RD to high-growth investment options like mutual funds. RD provides stability but lower returns.

Building an Emergency Fund
Ensure you have an emergency fund that covers at least 6 months of expenses. This fund should be in a liquid and easily accessible form.
Health Insurance
Secure a comprehensive health insurance plan for yourself. This is crucial to cover medical emergencies and prevent financial strain.
Long-term Investment Strategy
Equity Mutual Funds: Continue to focus on diversified equity funds. Review the performance annually and make adjustments if necessary.

Debt Mutual Funds: Allocate a portion of your investments to debt mutual funds for stability as you approach retirement.

Gold Investments: Continue holding SGBs as they provide a hedge against inflation and add to your diversified portfolio.

Final Insights
Increase your SIP contributions across large, mid, and small cap funds for balanced growth.
Diversify further with flexi cap and international funds.
Prepay your car loan to reduce debt burden and free up funds for investments.
Maintain an emergency fund and secure comprehensive health insurance.
Review your investment portfolio annually with a Certified Financial Planner to stay on track for your Rs 20 crore retirement goal.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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