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0 And want to start investing in mutual funds to build a good corpus by the time I am 56-58 years old. I can invest Rs 10,000-12,000 every month. I also invest Rs 4,500 per month NPS and Rs 10,000 in PPF, How should I proceed?

Dev Ashish, Founder, Stable Investor and SEBI-registered investment advisor, answers: It sounds like your new plan is to increase your retirement corpus, and rightly so. I think the monthly Rs 4,500 in NPS is directed towards the additional Rs 50,000 tax benefit for Tier 1 accounts. Assuming active mode is chosen and you plan to hold at least 50-60% in equity (or as much as is allowed after 50 due to age allocation restrictions), you will have around Rs 5-7 lakh. Will collect. But keep in mind that this NPS corpus will have to be partially used to buy annuity later. The PPF of Rs 10,000 monthly is expected to accumulate around Rs 8-12 lakh in 6-8 years, assuming that the average interest rates over the remaining period will be lower than the current 7.1%. The actual corpus in both PPF and NPS will be higher as you will already have some existing investments in both. For your MF investments, assuming a return of 10-12%, you can expect a corpus of Rs 12-13 lakh or Rs 18-20 lakh if ​​you invest Rs 12,000 per month for 6 and 8 years respectively . Though I do not know about your risk appetite, but making some assumptions, I would suggest you to choose only two funds to invest in. You can have an index fund (Nifty/Sensex-based) and a flexi-cap fund. Or you can choose two index funds based on Nifty/Sensex and nifty next50. These pure equity funds should be sufficient. Note that during the later years, your equity exposure (after considering your overall asset allocation) to help you easily cross the retirement threshold without worrying too much about the risk of poor sequestration of returns It would be wise to cut back. If you are not sure how to manage the crossover, please contact a SEBI registered investment advisor.

I am 25 years old. My EPF deduction is Rs 6,000 per month. I have NPS Tier 1 with 75% equity allocation and I invest Rs 50,000 annually. I have PPF where I invest a LIC policy (Jeevan Labh) with an annual premium of Rs 1,000 per month and Rs 70,000. I have invested lump sum only in ELSS funds for the last four years tax savings, I am now starting SIP in multiple equity mutual funds. Please let me know if my portfolio is suitable for 20-25 years. I have personal health insurance and also term insurance. The SIPs are as follows: Rs 5,000 each in Axis Growth Opportunities Fund, Mirae Asset tax saver, Parag Parikh Flexi Cap, Mirae Asset Mid Cap, Canara Robeco Small Cap Fund and Motilal Oswal NASDAQ 100 FoF. I am planning to add Axis Flexi Cap Fund also.

Vidya Bala, Co-Founder, PrimeInvestor.in says, “You have roughly a little less than 20% in debt and that makes it an aggressive allocation. If you can take the volatility, fine. Otherwise, add some short-term debt funds. Within equities, you have the middle. and small-cap and this makes the portfolio a bit aggressive too. If you plan to add more, use an index fund like UTI Nifty 50 or Axis Nifty 100 to provide some large-cap exposure Do. The funds you have are fine. Canara Robeco Small Cap doesn’t have enough track record to provide a view for us.”