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economictimes.indiatimes.com / 1 year ago
economictimes.indiatimes.com / 1 year ago
economictimes.indiatimes.com / 1 year ago
livemint.com / 1 year ago
Can you build a retirement corpus by investing Rs 50,000 via SIPs in the next 15 years?
investor looking to retire in the next 10-15 years, the journey has just begun.
With a monthly family expense of Rs 25,000, which will increase with inflation, Murugan wants to secure his post-retirement years by investing Rs 50,000 per month in mutual funds through a Systematic Investment Plan (SIP).
In an interview with ETNow Shweta Jain, Founder of Investography, shares her insights on ‘The Money Show’ as to how he can structure his investment strategy to build a strong retirement corpus.
How Much Does Murugan Need for Retirement?
Considering inflation and post-retirement expenses, Murugan will require a corpus of at least Rs 5 crore to maintain his current lifestyle.
However, with his current SIP plan of Rs 50,000 per month, he is likely to accumulate approximately Rs 3 crore in the next 15 years.
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This means that he needs to either increase his SIP amount over time or make strategic investments in higher-growth funds.
Recommended Investment Plan
Since this is Murugan’s first exposure to equity investments, a balanced yet growth-oriented approach is advisable. Shweta Jain recommends a mix of large-cap and mid-cap mutual funds to ensure stability and higher returns.
Large-Cap Allocation (Rs25,000 SIP):
UTI Nifty 50 Index Fund – A reliable large-cap fund that provides stable returns in line with the broader market.
Mid-Cap Allocation (Rs 25,000 SIP split between two funds):
Kotak Emerging Equity Fund – A strong performer in the mid-cap category, providing higher growth potential.
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