Hi Sir, currently I have an SIP of 1lakh PM.
30% largecap, 40% multicap, ,20% midcap, 10%smallcap. I am 36 now. How much I can expect after 15-20 years of time horizon.
Ans: Thank you for sharing your current SIP allocation and your age. Based on the information provided, we can estimate the potential growth of your investment over a 15-20 year time horizon.
Given your age of 36 and assuming a moderate growth rate, historical data suggests that equity investments have provided an average annual return of around 12-15% over the long term. However, it's essential to note that past performance is not indicative of future results, and market conditions can vary.
With an SIP of ?1 lakh per month allocated as follows:
30% in large-cap funds
40% in multi-cap funds
20% in mid-cap funds
10% in small-cap funds
We can estimate an average annual return based on the historical performance of each category. Large-cap funds typically offer more stability but may yield slightly lower returns compared to mid and small-cap funds, which tend to be more volatile but have the potential for higher growth.
Assuming an average annual return of around 12-15% for your SIP portfolio, you could potentially accumulate a significant corpus over a 15-20 year period. However, it's crucial to remember that investment returns are subject to market fluctuations and cannot be guaranteed.
To provide a more precise estimate, I recommend using a financial calculator or consulting with a qualified financial advisor who can perform a detailed analysis based on your specific investment portfolio, risk tolerance, and financial goals.
If you would like further assistance or have any additional questions, please feel free to reach out. We're here to help you achieve your financial objectives.
Best regards,
Ramalingam, MBA, CFP
Chief Financial Planner
