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Ans: Current Investment Portfolio and Future Contributions

Your proactive approach to investing is commendable. With a monthly SIP of Rs. 35,000 since 2013 and a current market value of Rs. 1 crore 9 lakhs in mutual funds and SIPs, you've laid a strong foundation.

Planning to continue investing Rs. 35,000 per month for the next 7 to 8 years adds substantial potential to your corpus.
Estimated Corpus in 7 to 8 Years

With an average annual return of approximately 12%, your additional monthly investments can significantly enhance your corpus over the specified period.

Although exact projections require detailed calculations, leveraging the power of compounding through regular investments can substantially boost your overall wealth.

Total Corpus Including Other Investments

In addition to mutual funds, you've wisely diversified your portfolio with approximately Rs. 1 crore invested in avenues like Voluntary Provident Fund, EPF, PPF, ESOPs, and pension funds.

Factoring in the growth potential of these investments alongside your mutual funds, your total corpus after 7 to 8 years could be substantial.
Evaluation of Retirement Readiness

Considering your current monthly expenses of Rs. 1 lakh, it's essential to assess whether your projected corpus would adequately support your retirement lifestyle.

Based on your anticipated corpus after 7 to 8 years and your monthly expenses, you appear to be on track for a comfortable retirement. However, regular reviews of your financial plan are crucial to ensure alignment with your retirement goals.
Final Thoughts

Your disciplined approach to savings and investments, coupled with a diversified portfolio, positions you well for a financially secure retirement. Continuously monitor your financial plan and make adjustments as needed to stay on course.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Planning Your Financial Future
As a Certified Financial Planner, I'm here to help you navigate your investment journey and plan for a secure retirement.

Current Investment Portfolio and Future Contributions

You've made commendable progress with your current mutual fund investments and SIPs, totaling Rs. 1 crore 9 lakhs. Continuing your SIP of Rs. 35,000 per month for the next 7 to 8 years adds substantial potential to your corpus.

Estimated Corpus in 7 to 8 Years

Assuming an average annual return of around 12%, your additional monthly investments of Rs. 35,000 can potentially grow to a significant amount over 7 to 8 years.

While exact projections require detailed calculations, leveraging the power of compounding through regular investments can substantially boost your overall corpus.

Total Corpus Including Other Investments

In addition to your mutual fund investments, you have approximately Rs. 1 crore invested in other avenues like Voluntary Provident Fund, EPF, PPF, ESOPs, and pension funds.

Factoring in the growth potential of these investments along with your mutual funds, your total corpus after 7 to 8 years could be substantial.
Evaluation of Retirement Readiness

Considering your current monthly expenses of Rs. 1 lakh, it's essential to assess whether your projected corpus would adequately support your retirement lifestyle.

Based on your anticipated corpus after 7 to 8 years and your monthly expenses, you seem to be on track for a comfortable retirement. However, it's crucial to periodically reassess your financial plan to ensure alignment with your retirement goals.
Final Thoughts

Your proactive approach towards savings and investments is commendable. By continuing your disciplined approach to investing and periodically reviewing your financial plan, you're setting yourself up for a financially secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: To estimate your corpus after 7 to 8 years, let's assume an average annual return on your mutual fund SIPs at 10-12% and a similar return on your other investments.

For Mutual Funds:

Future Value of Current Investments: Using the future value formula, considering an average return of 10-12%, your current 1.09 crore can grow to approximately 2.2 - 2.5 crores in 7-8 years.
Future Value of Additional SIPs: Investing 35k per month for 7-8 years, at an average return of 10-12%, you could accumulate around 50 - 60 lakhs from SIPs alone.
For Other Investments:

Future Value of Current Investments: Assuming an average annual return of 10-12%, your current 1 crore can grow to approximately 2 - 2.4 crores.
Future Value of Additional Investments: With 80k monthly investments for 7-8 years, at an average return of 10-12%, you could accumulate around 1.5 - 1.8 crores.
Total Corpus After 7-8 Years: Combining both, your total corpus could range from 5.2 - 6.2 crores.

Retirement Planning:
Considering your monthly expense is 1 lakh, with a corpus of 5.2 - 6.2 crores, you can generate approximately 40-50k per month (assuming a 7-8% withdrawal rate) post-retirement. This should be sufficient considering your current expenses, but inflation and unforeseen expenses should also be considered.

It's advisable to consult a financial advisor for a detailed plan tailored to your needs, considering inflation, tax implications, and other factors.

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: 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: 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.

Ans: To calculate your corpus in 7 to 8 years down the line, we need to make some assumptions:

• Investment amount: 35k per month
• Existing Investments : Rs.1.09 Crore
• Investment horizon: 7 to 8 years
• Expected return: 12% per annum

Using a compound interest calculator, we can calculate the following:
Corpus = Investment amount * (1 + Expected return) ^Investment horizon

You will accumulate around Rs.3.3 Crores approximately after 8 years

Note: These are just estimates, and the actual corpus may vary depending on the actual investment returns.

Tips to help you reach your goals:

• Continue to invest regularly. Even if you can only invest a small amount each month, it will add up over time.
• Rebalance your portfolio regularly. This means selling some of your winners and buying more of your losers to maintain your desired asset allocation.
• Don't panic sell. The market will inevitably go up and down, but don't let your emotions get the best of you. Stay focused on your long-term goals and don't sell your investments when the market is down.

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: You are on the right track Subho. Longevity has increased. Post-retirement risk free interest rate has come down. Inflation has gone up.

So when planning for retirement corpus, back-of-the-envelope calculations won't work. You need to project your financial life from now to retirement and retirement to life expectancy. If it is not possible for you to do that, then approach a financial planner who will be able to create a financial roadmap.