{"id":126928,"date":"2025-11-07T14:18:19","date_gmt":"2025-11-07T14:18:19","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/126928\/"},"modified":"2025-11-07T14:18:19","modified_gmt":"2025-11-07T14:18:19","slug":"planning-rs-1-crore-corpus-in-10-years-with-rs-40000-sip-heres-how-tweaking-your-portfolio-can-help-as-you-approach-retirement","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/126928\/","title":{"rendered":"Planning Rs 1 crore corpus in 10 years with Rs 40,000 SIP? Here\u2019s how tweaking your portfolio can help as you approach retirement"},"content":{"rendered":"<p>As investors move closer to retirement, aligning their mutual fund portfolio with long-term goals becomes crucial. So, if you are approaching your <a data-ga-onclick=\"Inarticle articleshow link click#MF#href\" target=\"_blank\" href=\"https:\/\/m.economictimes.com\/definition\/retirement\" rel=\"nofollow noopener\">retirement<\/a> and plan to create a corpus of Rs 1 crore in a span of approximately 10 years, an expert shares how fine-tuning your current <a data-ga-onclick=\"Inarticle articleshow link click#MF#href\" target=\"_blank\" href=\"https:\/\/m.economictimes.com\/definition\/systematic-investment-plan\" rel=\"nofollow noopener\">SIP<\/a> strategy can help you achieve above this corpus in the same time frame.<\/p>\n<p>That\u2019s exactly what Atamjit Singh, a 49-year-old investor and viewer of The Money Show on ET Now, wants to accumulate in the next 10 years.<\/p>\n<p>His current portfolio value stands at Rs 12 lakh, and he\u2019s investing Rs 10,000 each month in four <a ref=\"dofollow\" data-ga-onclick=\"Inarticle articleshow link click#MF#href\" target=\"_blank\" href=\"https:\/\/economictimes.indiatimes.com\/mutual-funds\" rel=\"nofollow noopener\">mutual funds<\/a>, namely Kotak Large and Midcap, HDFC Midcap, Parag Parikh Flexicap, and DSP Smallcap, totalling Rs 40,000 in monthly SIPs.<br \/>Expert analysisFinancial expert Samir Shah, Founder of Investa Financial, analysed Atamjit\u2019s portfolio and goals, noting that with a 12% annualised return, the existing SIPs and corpus could grow to around Rs 1.32 crore over 10 years, comfortably meeting the Rs 1 crore target.<\/p>\n<p>However, he advised refining the plan to account for inflation and taxation, which can erode real returns over time.<\/p>\n<p><img decoding=\"async\" alt=\"ET logo\" src=\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2025\/10\/118783427.cms.png\" width=\"90%\"\/>Live Events<br \/>To strengthen the strategy, Shah recommended increasing the SIP by 10% every year. This \u201cstep-up SIP\u201d could potentially help Atamjit accumulate around Rs 1.75 crore over 10 years, providing a cushion against inflation.On portfolio alignment, Shah pointed out that Atamjit\u2019s investments are well diversified across all four categories but suggested a gradual shift from small- and mid-cap funds towards a dedicated large-cap fund, considering his age and goal. This adjustment would lend greater stability and reduce volatility as he nears retirement years.By making these small but strategic tweaks, Atamjit can confidently stay on track to achieve and possibly exceed his Rs 1 crore target goal over the next decade.<br \/>Add <img decoding=\"async\" alt=\"ET Logo\" src=\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2025\/09\/123467569.cms.png\"\/> as a Reliable and Trusted News Source<\/p>\n","protected":false},"excerpt":{"rendered":"As investors move closer to retirement, aligning their mutual fund portfolio with long-term goals becomes crucial. So, if&hellip;\n","protected":false},"author":2,"featured_media":126929,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,74694,61,60,41539,12883,74693,174,175,74696,1611,1544,11394,74695,41533],"class_list":{"0":"post-126928","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-hdfc-midcap-fund","11":"tag-ie","12":"tag-ireland","13":"tag-mutual-fund-news","14":"tag-mutual-funds","15":"tag-parag-parikh-flexi-cap-fund","16":"tag-personal-finance","17":"tag-personalfinance","18":"tag-portfolio-restructuring","19":"tag-retirement","20":"tag-retirement-planning","21":"tag-sip","22":"tag-step-up-sip","23":"tag-target-corpus"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/126928","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=126928"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/126928\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/126929"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=126928"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=126928"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=126928"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}