Where should I invest to create Rs 25 lakh in 3-5 years? (2024)

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Where should I invest to create Rs 25 lakh in 3-5 years?

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If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

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I have savings of around Rs 15 lakh. I would like to start a SIP and also invest a lumpsum to park this amount. I am looking for distribution in all the categories of mutual funds--- small, mid, multi and large cap mutual funds for 3 to 5 years. I expect to achieve Rs 25 lakhs. Which fund should I choose?
--- Sujit Roy

Harshad Chetanwala, Co-Founder of MyWealthGrowth, a financial planning firm, Based out of Mumbai, responds:

When you are looking to invest in the stock market, you should have a long-term horizon i.e. minimum tenure of 5 to 7 years. If your minimum tenure is 3 years then you are expecting your one-time investment of Rs 15 lakhs to grow every year by nearly 19% to achieve the target of Rs 25 lakhs. To achieve this target in 3 years is quite an aggressive expectation from equities.

It would be good to keep the target of Rs 25 lakh for a 5 years horizon which can be achieved if the portfolio generates an average of around 11% every year.

For the time horizon of 5 years, you can look at investing in large, large & mid cap and flexi cap funds. Allocation in mid cap and small cap funds works well for longer investment horizons as they are more volatile in a shorter period compared to other funds. You may consider the following funds:

  • HDFC / UTI Nifty Index Fund
  • Mirae Asset Large Cap Fund
  • Parag Parikh Flexicap Fund
  • UTI Flexi cap Fund
  • Canara Robeco Emerging Equities Fund
  • Kotak Equity Opportunities Fund

You may set up your SIPs in the above funds.

(If you have any mutual fund queries, message us on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.)

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