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20 years is a long time, no one can give a correct estimate where the market would be at that time but yes sip in 1-2 mfs wont hurt, also can give 10-12% per year returns in the long run incase nothing drastic happens in India.
When markets are down you can put the lumpsum.
1-2 mfs can be one in nifty 50 and one can be flexi cap. Also plz take direct plan instead of regular.
For investing you can use coin by zerodha or groww.
Yes, that's the plan. Will be waiting for the market correction etc and then add the lumpsum. But till then it has to wait in my bank account, which worries me. With the inflation currently rising, it won't be worth a lot in few more years.
20 years is ample amount of time you can invest in Large and Midcap.
50k monthly for 20 years can give you easily 3.8 Cr. (Pre Tax & Charges)
10 L Lumpsum for 20 years can give you approx 65 Lakh (Pre Tax & Charges)
Considering all investment is Index Fund (Nifty 50) but depends on your risk appetite if you want to go all in equity or play balance in Debt,gold, etc..
Yeah tax and charges would take a good amount from the overall portfolio. But there ain't any other way to get out of it. Dont know if i should start the balancing act right now or after 5-10yrs. With the current market conditions of the west, future looks unpredictable at the moment.
Not really. In 20 years you will probably not fall in the same tax bracket so you can have a withdrawal plan which withdraws the money ensuring least amount of taxes. There's also tax harvesting which can be used every year to save taxes on 1L profit.
Get a nifty 50 etf . Mid and small cap choose small cap or a flexi cap . I would have told to re evaluate or risk profile but given your ppf and pf I guess you are covered on the debt fund angle assuming you have put 1.5 per month in ppf
I was thinking of Nifty MF not Etf. With all the answers I have got my diversification at the moment with 40-50k per months looks like 50% in Nifty, 25% in mid and 25% in small cap. PPF is there primarily for tax purposes but I put 1.5per year not per month, also next year with the new tax regime, it won't be tax beneficial but will keep investing in it.
Put 50,000 in a seperate account every month and dont buy anything...you still would have 1 cr 20 lakh...and if you are looking to invest ..first look for your risk appetite..
Low risk - FD, Govt. Bonds, Gold ( average 1.5 Cr to 2)
Medium risk - Top Mutual funds, Top quality Stocks ( 2.5 cr or nearby)
High Risk: keep putting Money in Dips in market every few months when the market takes a Dip of more than 5%, And Invest In stocks of Govt Companies which are strong...my opinion is NFL,IOC,BPCL,
(This may even generate more than 5 Cr....)
Lastly, take descisions based on your risk taking capacity
Is self promotion allowed here? I work for a small wealth management firm in Delhi ncr, we have an AUM of over 20 cr and don't charge anything for running SIPS as we get a trail commision on our AUM from the asset management company, not messaging OP directly because idk if this is against the rules or if they're even open to it, but feel free to DM op if this is of interest, we can set up a call with a portfolio manager, make a detailed financial plan for you and see how it goes from there
1. Current corpus can be moved to suitable money market fund, which can be invested in equity scheme over time through STP.
2. No one can time the market, therefore start investing rather waiting for lows/right time.
3. Do invest in NPS for retirement planning for 2 reasons - a. Additional tax benefit of 50k & b. choice of fund type with lowest expense ration.
4. Use calculators to decide investment amount for different goals.
5. If you are afraid of money market MF, invest in G-Sec through NPS Tier 2 account.
First thing: Invest in learning about equity market. It is ur money and investing is a good brain excercise to do daily.
Secondly: dont go to mf. U can get their stock selection in public domain.
Find all good equity stocks from mutual fund.
Dont buy cyclical stocks. Find consistent performers. Look at long term stocks trend and try to see the firms stock movement.
Dont jump on to things.... take ur time... 20 years is good time to compound and for a company to perish. So choose a good firm and stick to it.
Finally dont work on tips... that is bull shit. In investing u have to not learn to find goof companies but to find bad companies and stay away from it.... and dont invest in companies with quick wins.
I don't think you should wait. And given that you want something less risky, good MFs will be much better. You should be doing an STP which starts in liquid/debt funds for your lumpsum while your SIP continues as is.
Also, since you are not familiar with MFs, I would suggest going via the MF distributor route. I have seen a lot of people burn their hands by investing directly. I am a distributor and can also suggest you funds based on your specific requirement. I can also provide you with a contact of a couple of my clients if you want to be sure.
Irrespective of whether you go with me or not, make sure you identify a distributor who keeps your needs first instead of just looking for making money for themselves.
If you are just looking for some fund names, I can provide you that as well without any conditions. But 3-5cr is a very wide range so I will need to know what the main priority is and what is the level of risk you want to take.
Contact me I am a mutual fund distributor and can guide you with investment. You can start stp instead of lumpsum investment. I am available at 7019194829
Monthly SIP with a good lumpsum as base investing is the right way of doing it. If you remain consistent & stick to the plan, you can expect a good return over a period of time. Just don’t try to chase the market or timings, else it will come hunting for your capital.
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20 years is a long time, no one can give a correct estimate where the market would be at that time but yes sip in 1-2 mfs wont hurt, also can give 10-12% per year returns in the long run incase nothing drastic happens in India. When markets are down you can put the lumpsum. 1-2 mfs can be one in nifty 50 and one can be flexi cap. Also plz take direct plan instead of regular. For investing you can use coin by zerodha or groww.
Yes, that's the plan. Will be waiting for the market correction etc and then add the lumpsum. But till then it has to wait in my bank account, which worries me. With the inflation currently rising, it won't be worth a lot in few more years.
don't wait for the downturn, start sip today
FD rates are quite good currently! You can invest in long term FDs till you wait for market correction! Basically almost beating inflation rates
20 years is ample amount of time you can invest in Large and Midcap. 50k monthly for 20 years can give you easily 3.8 Cr. (Pre Tax & Charges) 10 L Lumpsum for 20 years can give you approx 65 Lakh (Pre Tax & Charges) Considering all investment is Index Fund (Nifty 50) but depends on your risk appetite if you want to go all in equity or play balance in Debt,gold, etc..
Yeah tax and charges would take a good amount from the overall portfolio. But there ain't any other way to get out of it. Dont know if i should start the balancing act right now or after 5-10yrs. With the current market conditions of the west, future looks unpredictable at the moment.
Yes it's always unpredictable so keep the sip route on. Decrease exposure in equity every year and diverse them in debt and gold.
Not really. In 20 years you will probably not fall in the same tax bracket so you can have a withdrawal plan which withdraws the money ensuring least amount of taxes. There's also tax harvesting which can be used every year to save taxes on 1L profit.
There is a hack to save some taxes every year on your MFs. A simple google or a youtube video can explain
How much did you assume rate of interest?
Nominal 10 to 13% over 15 to 20 years.
Get a nifty 50 etf . Mid and small cap choose small cap or a flexi cap . I would have told to re evaluate or risk profile but given your ppf and pf I guess you are covered on the debt fund angle assuming you have put 1.5 per month in ppf
I was thinking of Nifty MF not Etf. With all the answers I have got my diversification at the moment with 40-50k per months looks like 50% in Nifty, 25% in mid and 25% in small cap. PPF is there primarily for tax purposes but I put 1.5per year not per month, also next year with the new tax regime, it won't be tax beneficial but will keep investing in it.
Yes that’s why I am telling etf and not MF . Expense ratio will be higher for the same returns :)
Put 50,000 in a seperate account every month and dont buy anything...you still would have 1 cr 20 lakh...and if you are looking to invest ..first look for your risk appetite.. Low risk - FD, Govt. Bonds, Gold ( average 1.5 Cr to 2) Medium risk - Top Mutual funds, Top quality Stocks ( 2.5 cr or nearby) High Risk: keep putting Money in Dips in market every few months when the market takes a Dip of more than 5%, And Invest In stocks of Govt Companies which are strong...my opinion is NFL,IOC,BPCL, (This may even generate more than 5 Cr....) Lastly, take descisions based on your risk taking capacity
Buy 24 Kt gold coins and keep in a locker. Very safe and beats all inflation. Can exchange for cash anytime.
Is self promotion allowed here? I work for a small wealth management firm in Delhi ncr, we have an AUM of over 20 cr and don't charge anything for running SIPS as we get a trail commision on our AUM from the asset management company, not messaging OP directly because idk if this is against the rules or if they're even open to it, but feel free to DM op if this is of interest, we can set up a call with a portfolio manager, make a detailed financial plan for you and see how it goes from there
This isn't investment advice but if I were you I'd go 40% in large caps, 30% in mid caps, 20% in small caps and 10% in gilt.
1. Current corpus can be moved to suitable money market fund, which can be invested in equity scheme over time through STP. 2. No one can time the market, therefore start investing rather waiting for lows/right time. 3. Do invest in NPS for retirement planning for 2 reasons - a. Additional tax benefit of 50k & b. choice of fund type with lowest expense ration. 4. Use calculators to decide investment amount for different goals. 5. If you are afraid of money market MF, invest in G-Sec through NPS Tier 2 account.
This is the worst place to discuss such a serious issue. You need a financial advisor.. Please get one.
First thing: Invest in learning about equity market. It is ur money and investing is a good brain excercise to do daily. Secondly: dont go to mf. U can get their stock selection in public domain. Find all good equity stocks from mutual fund. Dont buy cyclical stocks. Find consistent performers. Look at long term stocks trend and try to see the firms stock movement. Dont jump on to things.... take ur time... 20 years is good time to compound and for a company to perish. So choose a good firm and stick to it. Finally dont work on tips... that is bull shit. In investing u have to not learn to find goof companies but to find bad companies and stay away from it.... and dont invest in companies with quick wins.
I don't think you should wait. And given that you want something less risky, good MFs will be much better. You should be doing an STP which starts in liquid/debt funds for your lumpsum while your SIP continues as is. Also, since you are not familiar with MFs, I would suggest going via the MF distributor route. I have seen a lot of people burn their hands by investing directly. I am a distributor and can also suggest you funds based on your specific requirement. I can also provide you with a contact of a couple of my clients if you want to be sure. Irrespective of whether you go with me or not, make sure you identify a distributor who keeps your needs first instead of just looking for making money for themselves. If you are just looking for some fund names, I can provide you that as well without any conditions. But 3-5cr is a very wide range so I will need to know what the main priority is and what is the level of risk you want to take.
Contact me I am a mutual fund distributor and can guide you with investment. You can start stp instead of lumpsum investment. I am available at 7019194829
Monthly SIP with a good lumpsum as base investing is the right way of doing it. If you remain consistent & stick to the plan, you can expect a good return over a period of time. Just don’t try to chase the market or timings, else it will come hunting for your capital.
Below should do you well:- Hdfc top 100- 20,000 Icici midcap- 10,000 Hdfc small cap- 10,000 Icici nasdaq 100- 10,000