Skip to main content

Alright, here's an updated strategy to make 4.10 the most of your ₹1,50,000 monthly SIP while balancing growth and safety:

Alright, here's an updated strategy to make 4.10 the most of your ₹1,50,000 monthly SIP while balancing growth and safety:

Investment Allocation

  1. Equity Mutual Funds (Growth-Oriented): ₹75,000 (50%)
    • Parag Parikh Flexi Cap Fund (Direct-G): ₹37,500 (25%)
    • Motilal Oswal Midcap Fund: ₹37,500 (25%)
  2. Nifty 50 ETF (Stable Growth): ₹30,000 (20%)
  3. Mid-Cap and Small-Cap Funds: ₹30,000 (20%)
    • HDFC Mid-Cap Opportunities Fund: ₹15,000 (10%)
    • Sundaram Small Cap Fund: ₹15,000 (10%)
  4. Debt Funds/Fixed Income (Safety): ₹15,000 (10%)
    • HDFC Short Term Debt Fund: ₹15,000 (10%)

Estimated Growth Over 10 Years

Assuming an average annual return of:

  • Equity Mutual Funds & Mid/Small-Cap Funds: 15%
  • Nifty 50 ETF: 10%
  • Debt Funds: 7%

Your investment could grow as follows:

Equity Mutual Funds & Mid/Small-Cap Funds

  • Monthly Investment: ₹1,05,000
  • Annual Return: 15%
  • Total Value After 10 Years: Approximately ₹3.20 crore

Nifty 50 ETF

  • Monthly Investment: ₹30,000
  • Annual Return: 10%
  • Total Value After 10 Years: Approximately ₹63 lakh

Debt Funds

  • Monthly Investment: ₹15,000
  • Annual Return: 7%
  • Total Value After 10 Years: Approximately ₹27 lakh

Total Estimated Value After 10 Years

  • Combined Investment Value: Approximately ₹4.10 crore

Key Points to Consider

  1. Diversification: Spreading your investments across different asset classes helps manage risk.
  2. Regular Review: Periodically review your portfolio to ensure it aligns with your goals and market conditions.
  3. Rebalancing: Adjust your portfolio as needed to maintain the desired asset allocation.
  4. Risk Tolerance: Be prepared for market volatility and have a contingency plan in place.

This diversified approach can help you achieve a good balance between growth and safety, maximizing the potential for high returns while mitigating risks.

Note* Do your won research, its not any financial suggestion


Comments

Post a Comment

Popular posts from this blog

Azure key vault with .net framework 4.8

Azure Key Vault  With .Net Framework 4.8 I was asked to migrate asp.net MVC 5 web application to Azure and I were looking for the key vault integrations and access all the secrete out from there. Azure Key Vault Config Builder Configuration builders for ASP.NET  are new in .NET Framework >=4.7.1 and .NET Core >=2.0 and allow for pulling settings from one or many sources. Config builders support a number of different sources like user secrets, environment variables and Azure Key Vault and also you can create your own config builder, to pull in configuration from your own configuration management system. Here I am going to demo Key Vault integrations with Asp.net MVC(download .net framework 4.8). You will find that it's magical, without code, changes how your app can read secretes from the key vault. Just you have to do the few configurations in your web config file. Prerequisite: Following resource are required to run/complete this demo · ...
Post a Comment
Read more

How to Make a Custom URL Shortener Using C# and .Net Core 3.1

C# and .Net Core 3.1:  Make a Custom URL Shortener Since a Random URL needs to be random and the intent is to generate short URLs that do not span more than 7 - 15 characters, the real thing is to make these short URLs random in real life too and not just a string that is used in the URLs Here is a simple clean approach to develop custom solutions Prerequisite:  Following are used in the demo.  VS CODE/VISUAL STUDIO 2019 or any Create one .Net Core Console Applications Install-Package Microsoft.AspNetCore -Version 2.2.0 Add a class file named ShortLink.cs and put this code: here we are creating two extension methods. public   static   class   ShortLink {      public   static   string   GetUrlChunk ( this   long   key ) =>            WebEncoders . Base64UrlEncode ( BitConverter . GetBytes ( key ));      public   static   long   GetK...
Post a Comment
Read more

Azure Logic Apps Send Email Using Send Grid Step by Step Example

Azure Logic Apps Send Email Using Send Grid Step by Step     Step 1- Create Send Grid Account Create a SendGrid Account  https://sendgrid.com/ Login and Generate Sendgrid Key and keep it safe that will be used further to send emails You can use Free service. it's enough for the demo purpose Step 2- Logic App Design Login to  https://portal.azure.com Go to Resources and Create Logic App Named "EmailDemo" Go To Newly Created Rosoure Named "EmailDemo" and Select a Trigger "Recurrence", You can choose according to your needs like HTTP, etc. Note* Without trigger you can not insert new steps or Actions Click on Change Connection and add Send Grid Key  Click on Create and Save Button on the Top. As we have recurrence so it will trigger according to our setup(every 3 months) so just for the test click on "RUN" button  Finally, you should get an email like below one:
Post a Comment
Read more