It is important to note that you already have control over your finances and have a clear idea of retirement goals, risk tolerance and current monthly SIP. Your current investment strategy in small and medium-sized funds with more than 30 years of maturity is the right approach to achieving your goals. However, the Rs 80-90 pension agency inflation mentioned here is very low. It is important to keep inflation in mind when setting retirement goals.
If you stick to these strong categories of funds, it will be fruitful in the long run as we all know the trend of small and medium funds market moving forward.
Based on your monthly SIP amount, this is definitely a good start. However, as your age and career profile grows, consider gradually increasing your SIP amount. Keeping your high risk tolerance in mind, increase your monthly SIP amount permanently in high quality SMEs and invest for 20-30 years. This is a great opportunity to meet the expectations of your retirement system.
One thing to note is that market conditions change. Even if you have very long tires and high risk endurance and start early, it's a good idea to review your own portfolio to adapt to market changes. It is a good idea to focus on your portfolio every 3-5 years so that you can re-evaluate, increase or increase the amount of your SIP. You may also want to consider some new classes of money in your wallet for a safer and more sustainable retirement package. Long story short, discipline. Absolutely no better horse than a bad horse.
