A few trends in the mutual fund industry include the rapid growth of SIPs, increasing involvement of Gen Z in investment through online apps (resulting in a rise of Do-It-Yourself investors), and preference for high-risk products, according to Vishal Kapoor, chief executive officer of Bandhan AMC Ltd.
Query 1: I want to create a corpus for my daughter's education (she is 3 months old) and a retirement corpus of Rs 2 crore over the next 15 years. Have I chosen the right funds to achieve my goals?
Name: Deep Sanbi | Age: 31 years
Prableen Bajpai: For Rs 2 crore corpus, you would need SIP of Rs 40,000, assuming 12% XIRR (Extended Internal Rate of Return). Hence, step up the SIP amount each year. Continue with the current portfolios. No need to add any other funds.
Query 2: I want to invest Rs 5 crore for the next five years and get 24-26% returns. What is the best course of action? Should I invest in mutual funds or stocks or both?
Name: Brijesh Patel | Age: 33 years
Prableen Bajpai: High-risk portfolio will be needed. If the goal is extendable, then risk can be undertaken. If the goal is fixed at five years, then it is better to lower return expectations. You can create a portfolio with moderate to high risk.
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