If you want to grow your investment to Rs 1.25 crore in three years, the key is to plan carefully and be disciplined. Suppose you already have a portfolio of around Rs 68 lakh, most of which is invested directly in shares and the rest in mutual funds.
You invest a fixed amount every month through SIP and gradually increase it every year. Adding an additional lump sum, say Rs 15 lakh, will give your plan a strong boost. Also, if you are in your early 30s, this is a great time to build wealth steadily.
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Reaching your goal is not just about getting high returns; it is also about managing risk and avoiding mistakes along the way. It is realistic to get closer to your goal with the right investment mix, ongoing SIPs and growing funds.
Balance your risk to make your portfolio safe
You may have a large portion of your money invested directly in stocks. However, while it can offer high returns, it also carries high risk and can fluctuate widely in price. Equity mutual funds spread the risk and are managed by professionals, which makes them more stable over time.
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Here are some things you can do, according to the report:
– Invest your extra Rs 15 lakh in a variety of equity mutual funds.
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– Gradually shift some of your existing direct stocks to equity funds to reduce risk.
While the Indian stock market is not doing well right now, it is still okay to hold some investments, but it is important to maintain a balance.
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Keep your habits strong and protect your savings
If you are increasing your investment amount every year and investing monthly through SIPs, you are on the right track. Regular investment helps to adjust to the ups and downs of the market.
To keep your portfolio safe:
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– Have an emergency fund equal to at least six months of living expenses.
– Ensure you have adequate health and life insurance.
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– Avoid investments with long-term lock-ins or complex rules that limit your flexibility.
With these steps, setting a target of around Rs 1.2 crore is realistic. If the market performs well, you can exceed your target. As you get closer to your target, gradually reducing your exposure to equity, both directly in shares and mutual funds, will help protect your savings from sudden market fluctuations.