If you want to grow your investments to Rs 1.25 crore in three years, the key is planning carefully and staying disciplined. Suppose you already have a portfolio of around Rs 68 lakh, with most of it in direct
stocks and the rest in mutual funds. You also invest a fixed amount every month through SIPs, increasing it gradually each year. Adding an extra lump sum, say Rs 15 lakh, can give your plan a strong boost. Also, if you are in your early 30s, this is a great stage to focus on building wealth steadily.
Reaching your target isn’t just about high returns; it is about managing risk and avoiding mistakes along the way. With the right mix of investments, ongoing SIPs, and incremental funds, getting close to your goal is realistic.
Balance Risk To Make Your Portfolio Safer
A large portion of your money may be in direct stocks. While they can deliver high returns, they also carry higher risk and can swing widely. Equity mutual funds spread risk and are managed by professionals, making them more stable over time.
Here’s what you can reportedly do:
– Invest your extra Rs 15 lakh in diversified equity mutual funds.
– Gradually move part of your existing direct stock holdings into equity funds to reduce risk.
Even though many Indian stocks are still below their peak, keeping some exposure is fine, but balance matters.
Keep Habits Strong And Protect Your Savings
If you invest monthly through SIPs with a yearly increase, you are on the right track. Regular investing helps smooth out market ups and downs.
To keep your portfolio safe:
– Maintain a liquid emergency fund of at least six months of living expenses.
– Make sure you have enough health and life insurance.
– Avoid investments with long lock-ins or complicated rules that limit flexibility.
With these steps, aiming for around Rs 1.2 crore is realistic. If markets perform well, you could exceed your target. As your goal comes closer, gradually reducing equity exposure, both direct stocks and mutual funds, will help protect your savings from sudden market swings.
