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A mutual fund portfolio to retire at 50 years

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

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Last Updated: Jan 31, 2020, 12.08 PM IST
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I am new to mutual funds. I am 30 years old. I want to invest via SIP. I have short term goal of Rs 5 lakh after five years. And I want a fixed amount of Rs 2 crore at the age of 50 for retirement. Can you help me: how much I should I invest and in which fund. I am moderate risk-taker.
- Rukshit Kalvadia


If you are new to mutual funds and do not understand much about investing in mutual funds, you should seek the help of a mutual fund advisor. You would need the guidance of a mutual fund advisor to stay invested during the initial phases of your investing life. Often new investors tend to panic and stop or sell their investments during a bad phase in the market. Only a mutual fund advisor near you would be able to handhold you through such periods.

If you have a short-term horizon of five years, you can consider investing in aggressive hybrid funds to take care of your goal. You need to invest around Rs 6,400 per month to create a corpus of Rs 5 lakh at the end of five years. We are assuming annual return of 10% on your investments.

Here are the best aggressive hybrid schemes: Best aggressive hybrid schemes to invest in 2020

If you are a moderate equity investor, you may consider investing in multi cap schemes to take care of your retirement corpus. Here are our recommended multi cap schemes; Best multi cap mutual funds to invest in 2020

To create a corpus of Rs 2 core after 20 years, you need to invest around Rs 20,000 every month for the next two decades. We are assuming an annual return of 12% on your investments.
(If you have any mutual fund queries, message us on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.)
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