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Ask EP-88 Retirement Plan For 36 Years Old

65.2K views ยท Sep 11, 2022 ยท 18:54 min ยท Watch on YouTube โ†—
Takeaway

A 10K/month SIP with 3% annual step-up at 12% CAGR for 15 years builds Rs 67.5 lakh โ€” diversify beyond just small caps.

Summary

  • For a 36-year-old investing Rs 10,000/month with 3% annual step-up at 12% CAGR for 15 years, corpus reaches Rs 67.58 lakh
  • Pure small-cap-only allocation is risky; split into different mutual funds, equities, and FDs based on knowledge level
  • Allocate to direct equity only if you have full-fledged stock research knowledge
  • Buying based on market cap (Asian Paints, Indigo for long term) is acceptable but advisor prefers higher small-cap weighting
  • Brightcom view unchanged from a year ago โ€” still cautious
  • Demergers: timing entry before vs after spin-off requires understanding the special-situation thesis
RetirementSIPSmall CapStep-UpQ&A
Original description 
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What is in for you?
00:00 Introduction
00:39 The Burning Question?
09:02 Retirement calculation
11:30 View on Patanjali foods?
12:18 View on Textile Theme?
13:50 View on Rajratan, Varun Beverages & Brightcom
14:54 Sunday Funday
15:06 Important Awareness
15:47 Portfolio Review
17:08 When to invest in a Stock with Special Situation?