{"id":508,"date":"2024-04-16T10:45:13","date_gmt":"2024-04-16T10:45:13","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=508"},"modified":"2026-03-02T19:32:48","modified_gmt":"2026-03-02T19:32:48","slug":"what-should-be-my-strategy-to-invest-in-mutual-funds-by-sip-if-i-want-to-generate-rs-80l-in-17-years-and-rs-1-3-cr-in-27-years-i-have-considered-inflation-at-8-for-current-expenses-of-20-lacs-and-15","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/16\/what-should-be-my-strategy-to-invest-in-mutual-funds-by-sip-if-i-want-to-generate-rs-80l-in-17-years-and-rs-1-3-cr-in-27-years-i-have-considered-inflation-at-8-for-current-expenses-of-20-lacs-and-15\/","title":{"rendered":"What should be my strategy to invest in mutual funds by SIP if I want to generate Rs 80L in 17 years and Rs 1.3 Cr in 27 years? I have considered inflation at 8% for current expenses of 20 Lacs and 15 Lacs respectively."},"content":{"rendered":"\n

You strategy should be to go for a combination of multicap and large cap equity mutual funds<\/strong>, since the time horizon is quite long. This will need to be fine tuned based on your risk profile <\/em>and other requirements for \u2018liquidity\u2019 in the interim.<\/p>\n\n\n\n

Goal 1 : RS 80 lacs in 17 years<\/strong><\/p>\n\n\n\n

Invest Rs 12,000 per month in an SIP<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Goal 2 : Rs 1.3 crores in 27 years<\/strong><\/p>\n\n\n\n

Rs 5,500 per month in an SIP<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

As you can see in the above math, going for Direct Plan Mutual Funds<\/strong> will get you a benefit of Rs 13 lacs and 37 lacs respectively on the above two goals. That is about Rs 50 lacs benefit on an total investment of Rs 42 lacs. This shows the power of guaranteed extra return by cutting out broker commissions. This input alone is worth sharing with your friends!<\/p>\n\n\n\n

Which funds to invest int? Here is a list of funds to consider:<\/p>\n\n\n\n

  1. Best Equity Funds in 2018 for long term<\/a><\/li>
  2. Best Multicap funds for long term<\/a><\/li><\/ol>\n\n\n\n

    Note: While you took a \u2018conservative\u2019 estimate of 8% inflation the math for the target goals will be Rs 93 lacs and Rs 1.2 crores respectively. This a minor detail and as long you invest diligently you should be able to reach your goals.<\/p>\n\n\n\n

    Happy Investing!<\/p>\n\n\n\n\n

    \n

    Maxiom Wealth \u2014 Free Tool<\/p>\n

    Is Your Mutual Fund Working Hard Enough?<\/h3>\n

    Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you’re in the right scheme for your risk profile and investment horizon.<\/p>\n Compare Funds \u2192<\/a>\n Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    You strategy should be to go for a combination of multicap and large cap equity mutual funds, since the time horizon is quite long. This will need to be fine tuned based on your risk profile and other requirements for \u2018liquidity\u2019 in the interim. Goal 1 : RS 80 lacs in 17 years Invest Rs 12,000 per month… Read More »What should be my strategy to invest in mutual funds by SIP if I want to generate Rs 80L in 17 years and Rs 1.3 Cr in 27 years? I have considered inflation at 8% for current expenses of 20 Lacs and 15 Lacs respectively.<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38,90],"tags":[],"class_list":["post-508","post","type-post","status-publish","format-standard","hentry","category-mutual-funds","category-strategies-mutual-funds"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/508","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=508"}],"version-history":[{"count":1,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/508\/revisions"}],"predecessor-version":[{"id":3959,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/508\/revisions\/3959"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}