How can I reach my investment goal after 5 years

You query is not very clear.

You have mentioned that you have Rs 30 Lakhs in mutual funds. Again you have mentioned that you invest Rs 35,000 per month in equity funds and Rs 2 Lakhs every year in debt funds. Our question is whether the 30 Lakhs that you have in mutual funds is over and above the SIP of Rs 35,000 and lump sum of Rs 2 Lakhs which you are saving in debt funds every year?

As we are not sure, we can only guess and put the answer following way -

If you have Rs 30 Lakhs in mutual funds and the same is invested in equity funds, then assuming 12% annual return you can make only Rs 53 Lakhs https://www.advisorkhoj.com/tools-and-calculators...

Now the question is how to get another Rs 47 Lakhs to meet your goal of Rs 1 Crore? You can start a SIP of Rs 55,000 in balanced funds considering your risk profile. Assuming 12% annual returns you can accumulate Rs 47 Lakhs from this SIP after 5 years. However, if you already have a SIP of Rs 35,000 in equity funds and also saving Rs 2 Lakhs in debt funds every year, you are set to achieve your goal of 1 Crore after 5 years.

Hope the above helps!

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