Aggressive Growth SIP Portfolio for ₹40,000/month
Maximize long-term wealth creation with this high-growth mutual fund strategy - perfect for investors with 10+ year horizon
Why This Portfolio?
This aggressive growth portfolio is designed for investors who:
- Have a long investment horizon (10+ years)
- Can tolerate high market volatility
- Seek maximum capital appreciation
- Want exposure to high-growth segments of the market
- Are comfortable with 100% equity allocation
With a projected CAGR of 12-15%, this portfolio focuses on flexi cap, mid cap, and small cap funds that have historically outperformed in bull markets while maintaining global diversification through US-focused ETFs.
Portfolio Allocation: ₹40,000/month
| Asset Class | Monthly SIP | Allocation % | Risk Level |
|---|---|---|---|
| Flexi Cap Funds | ₹12,000 | 30% | High |
| Mid Cap Funds | ₹10,000 | 25% | High |
| Small Cap Funds | ₹8,000 | 20% | Very High |
| Global Equity (US ETFs) | ₹6,000 | 15% | High |
| Large Cap Funds | ₹4,000 | 10% | Moderate |
| Total Monthly Investment | ₹40,000 | 100% | High |
Recommended Funds for Each Category:
Flexi Cap: Parag Parikh Flexi Cap Fund, SBI Flexi Cap Fund
Mid Cap: HDFC Mid-Cap Opportunities Fund, Kotak Emerging Equity Fund
Small Cap: Nippon India Small Cap Fund, Tata Small Cap Fund
Global Equity: Motilal Oswal Nasdaq 100 ETF, ICICI Pru US Bluechip Fund
Large Cap: UTI Nifty 50 Index Fund, Mirae Asset Large Cap Fund
Note: This portfolio has 100% equity exposure and is suitable only for investors with high risk tolerance. Past performance is not indicative of future results. Returns are projected at 14% CAGR for calculation purposes.
Projected Returns Calculator
See how your investment could grow over time with this aggressive portfolio strategy. Adjust SIP amount to see different scenarios:
5 Years Projection
Total Investment: 3,00,000
5.4 Lakhs
Estimated Value
10 Years Projection
Total Investment: 6,00,000
16.5 Lakhs
Estimated Value
15 Years Projection
Total Investment: 9,00,000
39.75 Lakhs
Estimated Value
Growth Projection Chart
Detailed Return Calculations
The future value of SIP investments is calculated using the formula:
FV = P × [ ( (1 + r)^n - 1 ) / r ] × (1 + r)
Where:
FV = Future Value
P = Monthly investment amount
r = Monthly return rate (14% annual = 1.1667% monthly)
n = Number of months
40,000/month SIP Projections
| Period | Total Investment | Projected Value (14% CAGR) | Approx. Returns |
|---|---|---|---|
| 5 years | 24,00,000 | 43,20,000 | 19,20,000 |
| 10 years | 48,00,000 | 1,32,00,000 | 84,00,000 |
| 15 years | 72,00,000 | 3,18,00,000 | 2,46,00,000 |
Other SIP Amount Projections (15 years)
| Monthly SIP | Total Investment | Projected Value | Wealth Gain |
|---|---|---|---|
| 5,000 | 9,00,000 | 39,75,000 | 30,75,000 |
| 10,000 | 18,00,000 | 79,50,000 | 61,50,000 |
| 20,000 | 36,00,000 | 1,59,00,000 | 1,23,00,000 |
| 30,000 | 54,00,000 | ,2,38,50,000 | 1,84,50,000 |
| 40,000 | 72,00,000 | 3,18,00,000 | 2,46,00,000 |
Portfolio Management Tips
Rebalancing Strategy
Review your portfolio annually and rebalance if any asset class deviates by more than 5% from its target allocation. This maintains your desired risk profile.
Tax Efficiency
Equity funds held for more than 1 year qualify for long-term capital gains tax of 10% on gains above ₹1 lakh. Plan redemptions accordingly.
Exit Strategy
After 10 years, consider shifting 5-10% annually to debt funds to lock in gains and reduce portfolio volatility as you approach your goal.
Important Disclaimer
This portfolio is for educational purposes only. Mutual fund investments are subject to market risks. The projected returns are estimates based on historical performance and are not guaranteed. Past performance is not indicative of future results. Please read all scheme related documents carefully before investing. Consider consulting with a certified financial advisor before making investment decisions.
