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.
Hi,
My suggestion would be to hold on to these investments for next 2 years or so. You may reduce your exposure to midcap and small cap funds and invest in large cap index fund (ex- UTI nifty next 50 ).
During the last 5 years (2030-2035), you may gradually shift to fixed income products, as you do not want to take risk and want to make sure the accumulated corpus is available when you need it the most!
Hi,
Thank you for being a loyal reader of my blog posts!
Appreciate for being a disciplined investor for almost a decade and congrats on good performance of your MF schemes.
No one can predict the future of equity markets (short term or long term).
May I know if you are maintaining separate portfolios for Kids' education? What are the goal target years?
Thank you for your reply sir.
Im maintaining one portfolio for my one kid and another one maintaining by my wife for my second kid.
1st portfolio-
1)HDFC Hybrid Equity Fund-Monthly SIP of 5000 rs
2)HDFC Mid Cap Fund-Monthly SIP of 5000rs
2nd Portfolio-
1)Franklin India small cap fund-Monthly SIP 5000 rs
2)Franklin India Focused Equity fund-Monthly SIP 5000 rs.
Please review my Portfolio and give your feedback.
I need money when my kids reach their College studies i.e From Year 2035.Which type of funds i have to choose for SWP?Is there any separate funds which suits for SWP?Please give me some fund examples.
Thank you.
Hi,
My suggestion would be to hold on to these investments for next 2 years or so. You may reduce your exposure to midcap and small cap funds and invest in large cap index fund (ex- UTI nifty next 50 ).
During the last 5 years (2030-2035), you may gradually shift to fixed income products, as you do not want to take risk and want to make sure the accumulated corpus is available when you need it the most!
"When I want to shift my accumulated corpus to any fixed income products, will I lose some amount due to long-term capital gains tax?
Sreekanth Reddy September 19, 2025 9:03 pm
@kvsuresh87
Yes, long term capital gains taxes (if any) are applicable if you sell/redeem your mutual fund units.
But, kindly do not remain invested in equity MF till the last year of your goal, it can be very risky..
Keep your current SIPs for 2 more years, then gradually shift to large-cap or hybrid funds. From 2030, move the corpus to fixed-income products to protect capital. Long-term capital gains tax may apply on redemptions, but this ensures funds are safe for college.
