That’s exactly what Saurabh Yadav, a 33-year-old investor, government teacher, and viewer of The Money Show on ET Now, wants to accumulate in the next 30 years.
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His objective: Saurabh Yadav has set a long-term target of accumulating Rs 15 crore over the next 30 years. He began investing in July this year and currently runs a Rs 21,000 monthly SIP with a 5% annual step-up. His mutual fund portfolio includes:His current portfolio value stands at Rs 61,500. Additionally, he contributes Rs 34,500 per month to NPS, also with a 5% step-up. He has also shared details of his existing NPS corpus as part of the overall financial picture.
Expert View: Strong diversification and clear planning
According to financial expert Nisreen Mamaji, MoneyWorks Financial Services, Saurabh’s overall portfolio is “very well diversified”, very growth oriented and aligned with long-term wealth creation. His asset allocation currently stands at: 30% in largecaps, 40% in midcap, 20% in smallcaps and 10% international exposure. This places him in the moderately high to high risk category.
Nisreen Mamaji emphasises that based on his age a 30-year investment horizon works beautifully with this allocation, but periodic reviews every 2–3 years are essential to maintain balance. In particular, smallcap exposure should not exceed 25% of the total portfolio.
Fund-by-fund breakdown
- Parag Parikh Flexi Cap Fund – Rs 6,000 SIP; globally diversified; consistent performer.
- Nippon India Multicap Fund – Balanced exposure across market caps; good for long-term compounding.
- Edelweiss Midcap Fund – very strong fund with the discipline strategies, stable performance, good to continue.
- Bandhan Smallcap Fund – Higher risk but long-term friendly; should keep allocation around 15%.
Regular rebalancing will ensure the smallcap portion stays within the recommended limits. So totally do not go more than 25% whenever you do your rebalancing in the smallcap category.
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Projected corpus: Can he reach Rs 15 crore?
Mutual fund investment
The expert estimates that if the investor is investing for 30 years and the compounded annualized growth rate is 12%, plus a 5% step up annually which is recommended for all investors to step up the SIP annually. So, the corpus created will be around Rs 6 crore – Rs 6.5 crore at 12% calculation in 30 years.
NPS investment
By investing Rs 34,500 monthly plus a 5% step up and taking a blended compounded annualized growth rate of 9.5% which is because it has got an equity and debt mix and here you can expect say about Rs 7.8 crore.
Total corpus would be Rs 14 crore to Rs 15 crore which is Saurabh’s desired corpus at the end of 30 years
Portfolio recommendation – “Review the portfolio and allocation regularly and keep the tier I in equity in NPS and the rest will be in.., make sure that it is in corporate bonds and G-Secs for the optimal growth. So, in that it is 75-25 ratio which is an equity and debt combination for the NPS part,” the expert recommended.
Additional advice for Saurabh: Keep an emergency fund equal to six months of expenses in liquid or short-term debt funds to manage any emergencies that might come in future
Conclusion
Saurabh’s investment structure, diversification, and discipline put him firmly on track to meet his Rs 15 crore goal. With regular reviews and controlled exposure to smallcaps, he is well-positioned for long-term wealth creation.
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
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