1cr+(term inclusion alternative) + ppm + target reach, profile arrangement

yearly 52338/anam, for 12 years, then hold for 20years; , at present 42year, after 75years it shoud be 1cr+ , suggest best portfolio for this? considering this span.
ChatGPT said:
You want to invest ₹52,338 per year for 12 years, then hold the accumulated corpus for 20 years and reach ₹1 crore+ by 75 years. Let’s first verify whether this amount is sufficient and then suggest the best portfolio for your goal.
Step 1: Future Value Calculation
Accumulation Phase (12 years of investment)
Using the future value of annuity formula:
$$FV_{12} = P \times \frac{(1 + r)^n - 1}{r}$$
Where:
$P = 52,338$ (annual investment)
$r = 12\% = 0.12$ (annual return)
$n = 12$ years
$$FV_{12} = 52,338 \times \frac{(1.12)^{12} - 1}{0.12}$$
$$FV_{12} = 52,338 \times 17.5483$$
$$FV_{12} \approx 9,18,479$$
Holding Phase (20 years of compounding)
After 12 years, the accumulated ₹9,18,479 will grow at 12% for 20 more years:
$$FV_{32} = 9,18,479 \times (1.12)^{20}$$
$$FV_{32} = 9,18,479 \times 9.646$$
$$FV_{32} \approx 88,61,409$$
Step 2: Adjusting for ₹1 Crore+ Target
Your expected corpus after 32 years is ₹88.6 lakhs, which is slightly less than ₹1 crore.
To reach ₹1 crore, you have two options:
✔ Increase your yearly investment slightly to ₹55,000 - ₹56,000.
✔ Increase your portfolio's expected return slightly from 12% to 13-14%.
Step 3: Best Portfolio for 32 Years
Since this is a long-term goal, you should invest in a diversified equity-focused portfolio with gradual de-risking closer to retirement.
Ideal Portfolio Allocation (42 - 54 years)
60% Large Cap Funds → Stability & consistent growth
ICICI Prudential Bluechip Fund (Direct)
Mirae Asset Large Cap Fund (Direct)
25% Mid & Small Cap Funds → High-growth potential
Nippon India Small Cap Fund (Direct)
Kotak Emerging Equity Fund (Direct)
15% International Funds → Diversification
Motilal Oswal S&P 500 Index Fund
Franklin India Feeder - US Opportunities Fund
Shift Strategy (55+ Years)
Reduce mid/small cap exposure and move 40% of funds to debt & hybrid to protect capital.
Parag Parikh Conservative Hybrid Fund
ICICI Pru Balanced Advantage Fund
Final Suggestion
✔ Continue investing ₹52,338 per year, but consider increasing to ₹55,000 if possible.
✔ Focus on a 100% equity portfolio for the first 12-15 years, then start moving to safer assets gradually.
✔ Use Direct Mutual Funds (avoid regular plans to reduce costs).
✔ Review portfolio every 3-5 years and rebalance if needed.
Would you like me to help you set up an SIP plan for this? 🚀