Dear All,
Owing to my Earlier post “Investment for a SHORT TERM GOAL – Resources all set”.
And upon receiving few feedback from learned members like Ashal and Ramesh, i have reveiwed the investment methods and below is the break-up.
Kindly let me if this should be fine. For all Equity and Debt Investments i have considered a modest return of 9%, with this return i will be able to achive my goal. Anything higher than this would be a bonus though.
1. Planning to invest 8000 per month as below – Tenure left to grow 5 Years
a) For a Tenure of 2 years i shall be investing in Tax saving Mutual Funds as well as Debt Mutual Fund in the ratio below.
40% Debt and 60% Equity.
Such a type is choosen because, this investment will take care of my Tax Planning as well during initial 2 years and this will grow for next 3 years (removing the Lock in Period for the entire amount by the end of 5th Year).
4800 per month in Tax Saving Equity MF expecting an appreciation at 9% gives a final value of 164012. (Assuming investing for 2 years and leaving for next 3 years)
3200 per month in Debt MF expecting an appreciation at 9% gives a final value of 109342. (Assuming investing for 2 years and leaving for next 3 years) – Though this will be continued (with a different investment amount) along just for simplicity sake i have kept it seperate.
b) For a Tenure of 3 years i shall be investing in Open Ended Equity MF and Debt MF in below ratio (20-80 respectively)
1600 per month in Equity MF expecting an appreciation at 9% gives a final value of 62940
6400 per month in Debt MF expecting an appreciation at 9% gives a final value of 251758
2. I shall be receiving an amount of 110000 in Mid 2014 which i will invest as below – Tenure to Grow 4 years
82500 into Pure Debt expecting an appreciation at 9% gives a final value of 116455
27500 into Equity MF expecting an appreciation at 9% gives a final value of 38818
3. I shall be receiving an amount of 15000 in Mid 2014 (from other source than that of point 2) which i will invest as below – Tenure to Grow 4 years
15000 into Equity MF expecting an appreciation at 9% gives a final value of ’21174′
4. I shall be receiving an amount of 180000 in 2015 (February) which i will invest as below – Tenure to Grow 3 years
144000 into Pure Debt expecting an appreciation at 9% gives a final value of 186484
36000 into Equity expecting an appreciation at 9% gives a final value of 46621
Total Amount gathered from all the investments : 997604.
This is 20,000 more when i have considered MIP’s and Debt.