Goal Planning

by | May 29, 2012 | Your Questions

Name: SitaramHelaCity: Kolkata
Age: 30 years
21 Sep 2011

I want Rs. 10 Lac within 10 years. Where should I invest and how to achieve my target?
I also want to know the allocation of my money.
Goal Planning – Mutual Fund

  1. Invest either 2.75 lacs as a lumpsum or about 4k SIP per month for 10 years.
  2. 60% in Diversified Fund Scheme and 40% in other company’s Midcap Fund Scheme

 
Name: Rakesh Jyani
I m a farmer. I want to invest 50,000 Rs for long time like 2-4 years. Please suggest me how I can get a minimum of 12% return.
21 Sep 2011 
Goal Planning – NCD

  1. NCD is the way currently.
  2. Take the next one that comes by soon, else after 6 months the opportunity may not last.
  3. Increase time frame to 5-7 years and you can even expect 15% tax free by going to diversified large cap funds.

 
Name: AbhijitSaranjame
City: Bengaluru
Age: 32
Profession: Architect
Income: 6 Lac p.a.
Status: Married
21 Sep 2011Dear Sir,

We are planning to buy a house in 5 years and following are our potential schemes that we have considered:

  • IDFC Premier Equity Rs- 2000 pm for 5 years
  • UTI Opportunity Rs 1000 pm for 5 years
  • ICICI Pru focus Rs 1000 pm for 5 years
  • DSP BR Top 100 Equity Rs 1000 pm for 5 years
  • Franklin India Bluechip Rs 1000 pm for 5 years
  • Gold ETF Rs 1000 pm for 5 years
  • HDFC Top 200 Rs 1000 pm for 25 years
  • HDFC Equity Rs 2000 pm for 20 years

At present we are paying premiums for the following:

  • HDFC SL Pru growth Rs 20000 year, (10 years)
  • LIC JeevanAnand Policy Rs 5640 year ( 15 years)
  • LIC JeevanSaral Policy Rs 6005 year ( 15 years)

Please advice the path forward,
Thanks and warm regards.
Abhijit

 
Goal Planning – Mutual Funds 

  1. 10 funds is not a very good idea
  2. Go with 3-4 funds; 40% into diversified – 1 fund & 30% each into midcap – 1 fund & 1-2 sectoral funds
  3. Your insurance policies will yield nothing – 4% for jeevananand and 2-3% for saral. It is sunk cost. Suggest that you do not pay post 3 years by which let the policies become paid up
  4. Buy adequate term insurance – say 50 lacs to start with.

 
919339203366 Kolkata   Sanjay Kumar ShawI want to invest Rs.5000 per month for my two child for 15 years. Please give me advice in which fund I start SIP?
18 june 2010

 
Goal Planning – Education OR Mutual Fund-EquityConsider an allocation of about 60% diversified funds and 40% into midcap funds.

 
Kunal Shah
I am 36 years old and want `a Corpus of `20 mn in next 5 years … Where & how much should I invest in order to achieve this goal 
Goal PlanningIf you consider equities v/s non-equities

  1. Then on lump sum basis you need to invest; 10mn or 14.25mn
  2. On a monthly basis you will need to put every month for next 5 years; 2.5 lacs and go with balanced strategy i.e. 60:40 equities to debt.

 
Rakesh, 919891977877
To get 50 lacs in 15 years, how much should i invest and in which fund? One time investment 
Goal Planning – Mutual Funds

  1. You may invest 7500 lumpsum or 6.15 lacs now.
  2. Invest about a third of your money into diversified, midcap and sectoral funds
919999722656 DelhiI want to get Rs 35 lacs after 5yrs. How much should i invest per month & in which mutual fund.
Goal Planning – Mutual Funds

  1. You will need to put in 40000 per month for next 5 years expecting a return of 15%
  2. Only diversified funds recommended
  3. If you want to take lesser risk you will need to deploy 45,000 expecting return of 11% in balanced funds
DilipPatil,Kolhapur, 9420134203,I want to invest Rs 75,000 for 18 years. Pls suggest good funds.
Goal Planning – Mutual Funds

  1. Expect to make about 9 lacs and consider diversified funds for safer bet
  2. You may also consider equal division to sectoral and midcap funds for better returns but with a little higher risk
Ataur Rahman. Akola919422349218I want Rs 25 lac for my 3 year old son when he will be 20yrs. I want to invst Rs 50,000. Is it a good strategy?

 
Goal Planning

  1. This is not possible. 50k will create 5 lacs or thereabout
  2. You need to invest 2.5 lacs now with full risk and expecting 15% rate of return – more if you want to take lesser risk
  3. Alternatively if you invest 50k now plus do SIP of 2500 per month you can reach your goal of about 25 lacs

 
919425062199 R. J. Sharma, Indore
I want to invest Rs.1lac.for my granddaughter .ln which fund I should invest?
Goal Planning1. Choose a diversified equity & midcap MF
919430441028 K.K. Thakur, Samastipur
I am 42. I have two sons aged 12 and 08 Years 0ld. I want to invest Rs.5000 monthly for 10 Yrs.
23 July 2010
Goal Planning – Equity Mutual Funds1. Choose a diversified equity& midcap MF – SIP of 2500 each
AshishSaxena, Bareilly, 919359110905
My age is 38 years. Kindly suggest me investment plan or fund to achieve 30 to 40 Lacs after 15years Along with investment amount.
Goal Planning – Mutual Fund

  1. If you can do a lumpsum investment then about 5.5 to 6 lacs should be ok to give you 40 lacs
  2. 100% equity investment via diversified funds 40%, 30% each in midcap and sectoral funds
  3. Else you may consider 7k SIP – broken as 3k, 2k & 2k in diversified, midcap and sectoral funds

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