Dear Shree.,
Many thanks for you & all your support for all these years for my financial planning;
Following is my portfolio that i accumulated from 2016 - 2018 , towards my Retirement Corpus
Large Cap - FI Blue Chip - INR 400,000
Large & Mid Cap - ICICI Pru Large & Mid Cap- INR 300,000
Equity Value Oriented - ICICI Pru Value Discovery - INR 100,000
Hybrid Aggresive - ABSL Hybrid Equity 95 - INR 200,000
Mid Cap - Kotak emerging Equity - INR 120,000
Small Cap - Reliance Small Cap - INR 90,000
Investment Value of the Portfolio INR 1,200,000 & MKT Value INR 1,290,000
- Planning to retain this portfolio until my retirement , next 20 years ; Will do changes in composition if required; For the next 2-3 years no plans to increase the Investment value- Is it right ?
- Not happy with the performance of ICICI Large & Mid cap fund, Is it required for any changes? can i swift it to ICIC pru value discovery ?
- My expectation is around @10-11% rtn.. shall i meet it..
3 Answers
Hi,
If you have investible surplus, this FY might give you lot of opportunities to buy at lower levels, so you may make additional investments in your existing funds, if possible.
I believe that investing in a Large cap and Large+mid cap is really not required. You may divert the funds from ICICI Large Mid cap to FT Bluechip fund. Rest of the picks are fine.
Related articles :
Kindly be aware of the tax implications in case you redeem and switch the units..
Related articles :
Hi,
Return expectation of around 10 to 12% is very reasonable and realistic, can be achieved. Kindly keep reviewing your investment portfolio periodically.
You may kindly use the calculator provided in the one of the above links related to retirement planning.
Yes, the capital gains on equity funds up to Rs 1 lakh are tax-exempt.
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