Financial Planning - ReLakhs Forum

Best Ways to Build a Strong Corpus for My Child by Age 18?

sriraj9 — Sat, 28 Mar 2026 10:24:28 +0000

Hi everyone,

I’m looking for suggestions on the best investment options for my 22-month-old daughter. My primary goal is to build a substantial corpus by the time she turns 18, mainly for her education and future needs.

Last year, I already started investing in Sukanya Samriddhi Yojana. Along with that, I’m exploring other investment avenues that can provide good long-term growth.

Could you please share your recommendations on:

Best investment plans(MF or if any) for long-term (15–18 years horizon)
Balanced options between risk and returns
Any specific funds, policies, or strategies that have worked well for you

Note: I already have term insurance (Tata AIA Maha Raksha Supreme Select) and health insurance (HDFC Ergo), so I’m primarily looking for investment-focused suggestions.

Thanks in advance for your insights!

Which is the best investment option for kids future education for long term plan?

Naveen — Wed, 28 Jan 2026 16:09:09 +0000

Please suggest best investment option for kids future education for long term plan?

Mutual fund planning

kvsuresh87 — Mon, 25 Aug 2025 08:08:19 +0000

Hello Sir, I got financial discipline and knowledge only after following your articles and portfolios since 2015.

I have a query regarding my financial planning. I started investing 10,000 monthly SIP in one mutual fund(small cap&mid cap combo)in the year 2016 for my first kid(male) who born in that year and started second SIP of 10,000 in 2018 for my second kid(female).These both funds are completing 10 years time frame nearly. At present these funds are performing well and accumulating returns decently.

From the 10th year onwards, what should be my financial strategy? Should I continue the same way, or should I start an SWP or i transfer the accumulated corpus to any debt fund?My ultimate goal is to ensure that there are no difficulties in funding my children's higher education and marriage. I have separate plans for my retirement.

The reason I’m asking like this is because many people are saying that in the coming years the CAGR of mutual funds will not remain like it is now, it will decrease a lot.

Which is better for me - NPS or VPF? (Please read the full question below)

forsid21 — Sat, 01 Mar 2025 09:47:08 +0000

Hi all,

I have been investing approx 11000 for the last 18 years in VPF(Voluntary PF for employees) which has given 8% approx return and the corpus is now approx 63 lacs. I was getting a deduction benefit u/s 80c till now which is not applicable now under new tax regime. I dont invest anything currently in NPS.

Should I switch my monthly investment of Rs10,000 in NPS and start from scratch or continue in VPF as it will have compounding effect ? Which one will give me a higher return?

Deciphering the Top ELSS Funds: Parag Parikh Tax Saver Fund vs. SBI Long Term Equity Fund

pawansharma — Fri, 29 Mar 2024 06:56:15 +0000

In the vast landscape of tax-saving investment options in India, Equity Linked Savings Schemes (ELSS) stand tall as efficient tools for both tax savings and wealth creation. Among the plethora of Best ELSS funds available, two prominent contenders consistently vie for investors' attention: the Parag Parikh Tax Saver Fund and the SBI Long Term Equity Fund. Let's embark on a comprehensive exploration of these funds to discern which one reigns supreme in the realm of ELSS investments.

Parag Parikh Tax Saver Fund: Managed by Parag Parikh Mutual Fund, this fund has garnered acclaim for its distinctive investment philosophy. It adopts a globally diversified approach, blending value investing with exposure to international markets. By encompassing both Indian and international equities in its portfolio, the Parag Parikh Tax Saver Fund aims to deliver robust long-term returns while mitigating risks through diversification. With a focus on quality businesses and sustainable growth, this fund appeals to investors seeking a balanced and well-rounded investment strategy.

SBI Long Term Equity Fund: Managed by SBI Mutual Fund, the SBI Long Term Equity Fund is renowned for its disciplined investment approach and consistent performance. This fund primarily invests in a diversified portfolio of Indian equities, focusing on large-cap and select mid-cap stocks. Grounded in a sound investment strategy, the fund seeks to capitalize on domestic market opportunities while providing stability and steady returns over the long term. With a track record of reliability and resilience, the SBI Long Term Equity Fund is a preferred choice for investors seeking stability and consistent growth within the Indian market landscape.

Now, let's dissect the distinguishing features of these funds. The Parag Parikh Tax Saver Fund's global exposure offers investors the opportunity to diversify their portfolios beyond domestic equities. While this introduces additional risks associated with currency fluctuations and geopolitical events, it also presents the potential for enhanced returns through exposure to global growth prospects. On the other hand, the SBI Long Term Equity Fund's focus on Indian equities provides investors with familiarity and stability, minimizing exposure to international market volatility.

In terms of performance, both funds have demonstrated commendable track records, albeit through different investment strategies. While the Parag Parikh Tax Saver Fund's global diversification may lead to higher volatility, it also offers the potential for greater returns over the long term. Conversely, the SBI Long Term Equity Fund's focus on Indian equities provides stability and consistent returns, albeit with potentially lower growth prospects compared to international markets.

Ultimately, the choice between the Parag Parikh Tax Saver Fund and the SBI Long Term Equity Fund depends on investors' individual preferences, risk tolerance, and investment objectives. Conducting thorough research and consulting with financial advisors can help investors make informed decisions tailored to their specific needs and goals in navigating the world of ELSS investments.

Begin SIP in mutual funds

Nitish — Tue, 13 Feb 2024 13:16:06 +0000

Hi Team,

My target is, to invest 12-15 years in Mutual Funds, with 10K/Month and increase it by 10% every year.

Iam a first time investor in MF

Expecting 15% or more profit.
Now, which are suitable for this requirement, either large cap or mid cap or small cap or flexi or hybrid etc

Now after selecting cap, which risk factor i need to consider,
high or moderately high or very high
or
moderate
or
moderately low or low

Any tracker (online, offline or xl based) for personal portfolio management?

ramkumar2k — Sun, 03 Sep 2023 14:28:18 +0000

Hi Sreekanth,

I want to track my Mutual fund and other investments along with my Loan liabilities. So that I can plan for my future goals as well as to target the closure of my existing loans.

So, please let me know if there is any resource or tracker (online, offline, or Excel-based) for this topic.

Investment Advise to invest 20 Lac

ashish_2507 — Sun, 27 Aug 2023 14:07:14 +0000

Hi Sir,

Hope you are doing well.

I would like to invest around 20 Lac for 15 to 20 years of horizon. I would like to keep some amount in fix option and rest in Mutual fund.

Investment Amount : 20 Lac
Time Horizon : 15 to 20 years
Purpose : Kid Education, Kid Marriage, Retirement corpus.

Could you please suggest some good funds for same.

Regards
Ashish Shrivastava

Hi Team I would like to invest 30000 per month for a period of 10-15 years. Risk appetite is high. Can you please suggest me some mutual funds.

Sushant — Tue, 08 Aug 2023 04:38:17 +0000

Hi Shreekanth
I would like to invest 30000 per month for a period of 10-15 years.
Risk appetite is high.
Can you please suggest me some mutual funds.

Investment portfolio

matribells2015 — Sat, 27 May 2023 14:58:09 +0000

Hi Sreekanth,

This is my current investment portfolio. Does this looks ok for long term wealth growth? Or should I make changes to my current portfolio?

Axis Bluechip Fund - Direct Growth
HDFC Hybrid Equity Fund - Direct Plan - Growth Option
HSBC Value Fund - Direct Growth
ICICI Prudential Bluechip Fund - Direct Plan - Growth
Kotak Flexicap Fund -Direct Plan-Growth
Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth

Regards,

Harleen