Goal-Based Investment Planner
Plan for your financial goals - retirement, education, wedding, and more. Calculate monthly SIP required to meet goals.
Investment Goal Planner
Investment Plan Summary
Monthly SIP Required
₹4,347
Total Investment
₹5,21,651
Total Interest
₹4,78,349
Maturity Amount
₹10,00,000
Yearly Investment Breakdown
| Year | Age | Investment | Interest | Balance |
|---|---|---|---|---|
| 1 | 30 | ₹52,165 | ₹3,518 | ₹55,683 |
| 2 | 31 | ₹52,165 | ₹10,580 | ₹1,18,429 |
| 3 | 32 | ₹52,165 | ₹18,538 | ₹1,89,132 |
| 4 | 33 | ₹52,165 | ₹27,505 | ₹2,68,802 |
| 5 | 34 | ₹52,165 | ₹37,609 | ₹3,58,576 |
| 6 | 35 | ₹52,165 | ₹48,995 | ₹4,59,736 |
| 7 | 36 | ₹52,165 | ₹61,824 | ₹5,73,725 |
| 8 | 37 | ₹52,165 | ₹76,281 | ₹7,02,171 |
| 9 | 38 | ₹52,165 | ₹92,571 | ₹8,46,908 |
| 10 | 39 | ₹52,165 | ₹1,10,927 | ₹10,10,000 |
Goal-Based Investment Planning Guide
What is Goal-Based Investment Planning?
Goal-based investment planning is a systematic approach to financial planning where you identify specific financial goals and create investment strategies to achieve them within a defined time frame.
This approach helps you stay focused, disciplined, and motivated in your investment journey. Each goal has its own timeline, risk tolerance, and investment strategy.
Popular Financial Goals
👴 Retirement Planning
- • Target: 25-30x annual expenses
- • Time horizon: 20-40 years
- • Risk tolerance: Moderate to high
- • Investment: Equity funds, NPS, PPF
🎓 Education Planning
- • Target: ₹10-50 lakhs per child
- • Time horizon: 10-18 years
- • Risk tolerance: Moderate
- • Investment: Equity funds, Sukanya Samriddhi
💒 Wedding Planning
- • Target: ₹5-20 lakhs
- • Time horizon: 5-15 years
- • Risk tolerance: Low to moderate
- • Investment: Hybrid funds, FDs
🏠 Home Purchase
- • Target: ₹50 lakhs - 2 crores
- • Time horizon: 5-20 years
- • Risk tolerance: Moderate
- • Investment: Equity funds, Real estate
🚗 Vehicle Purchase
- • Target: ₹5-15 lakhs
- • Time horizon: 3-8 years
- • Risk tolerance: Low to moderate
- • Investment: Debt funds, FDs
🏥 Emergency Fund
- • Target: 6-12 months expenses
- • Time horizon: 1-2 years
- • Risk tolerance: Very low
- • Investment: Savings account, FDs
Investment Strategies by Goal
📊 Short-term Goals (1-3 years)
Investment Options
- • Fixed Deposits
- • Liquid Funds
- • Savings Account
- • Short-term Debt Funds
Expected Returns
- • 4-7% annually
- • Low risk
- • High liquidity
- • Capital protection
📈 Medium-term Goals (3-10 years)
Investment Options
- • Hybrid Funds
- • Balanced Funds
- • Corporate Bonds
- • PPF, NPS
Expected Returns
- • 8-12% annually
- • Moderate risk
- • Good liquidity
- • Tax benefits
🚀 Long-term Goals (10+ years)
Investment Options
- • Equity Mutual Funds
- • Direct Stocks
- • Real Estate
- • International Funds
Expected Returns
- • 12-18% annually
- • Higher risk
- • Long-term growth
- • Wealth creation
Goal Planning Best Practices
💡 Planning Tips
- • Start early to benefit from compound interest
- • Prioritize goals based on importance and urgency
- • Review and adjust your plan annually
- • Consider inflation while setting targets
- • Diversify investments across different asset classes
- • Maintain emergency fund before long-term goals
📅 Goal Timeline Planning
- • Emergency Fund: 1-2 years
- • Vehicle Purchase: 3-5 years
- • Wedding Planning: 5-10 years
- • Education Planning: 10-18 years
- • Home Purchase: 10-20 years
- • Retirement Planning: 20-40 years
Risk Management in Goal Planning
🛡️ Risk Mitigation
- • Maintain adequate insurance coverage
- • Diversify across asset classes
- • Regular portfolio rebalancing
- • Emergency fund maintenance
- • Professional financial advice
📊 Asset Allocation
- • Equity: 60-80% (long-term)
- • Debt: 20-40% (short-term)
- • Gold: 5-15% (hedge)
- • Real Estate: 10-20% (stability)
- • International: 10-20% (diversification)