🛡️
Conservative Income Strategy
Low risk with steady income generation
Expected Return
8-11% p.a.
Risk Level
Low
Ideal Age
45-60 years
Min. Horizon
3-7 years
Asset Allocation
30%
65%
Equity
30% - Growth focused
Debt
65% - Stability & income
Gold
5% - Hedge & diversification
SIP Investment Projections
₹5,000 ₹1,00,000
Expected Annual Return: 12.00%
5 Years
Invested: ₹6,00,000
Returns: ₹2,24,864
Total: ₹8,24,864
10 Years
Invested: ₹12,00,000
Returns: ₹11,23,391
Total: ₹23,23,391
15 Years
Invested: ₹18,00,000
Returns: ₹32,45,760
Total: ₹50,45,760
20 Years
Invested: ₹24,00,000
Returns: ₹75,91,479
Total: ₹99,91,479
Recommended Fund Portfolio
Customize Your Portfolio: We've pre-selected the top funds based on 3-year performance. Customize by checking/unchecking funds. The SIP amount is automatically distributed, and expected returns are calculated from your selected funds' actual performance.
Corporate Bond Fund
40% • ₹4,000 (0 of 9 selected)
| Select | Fund Name | AMC | Monthly SIP | AUM | Expense | 3Y Return |
|---|---|---|---|---|---|---|
| Franklin India Corporate Debt Fund - Direct - GROWTH | Franklin Templeton Mutual Fund | - | ₹58.16K Cr | 0.25% | 8.19% | |
| Axis Corporate Bond Fund - Direct Plan Growth | Axis Mutual Fund | - | ₹8.47L Cr | 0.36% | 8.03% | |
| BARODA BNP PARIBAS Corporate Bond Fund - Direct Plan - Growth Option | Baroda BNP Paribas Mutual Fund | - | ₹38.74K Cr | 0.20% | 7.97% | |
| ICICI Prudential Corporate Bond Fund - Direct Plan - Growth | ICICI Prudential Mutual Fund | - | ₹28.25L Cr | 0.35% | 7.95% | |
| Nippon India Corporate Bond Fund - Direct Plan Growth Plan - Growth Option | Nippon India Mutual Fund | - | ₹8.57L Cr | 0.36% | 7.93% | |
| Kotak Corporate Bond Fund- Direct Plan- Growth Option | Kotak Mahindra Mutual Fund | - | ₹14.61L Cr | 0.35% | 7.84% | |
| Tata Corporate Bond Fund-Direct Plan-Growth | Tata Mutual Fund | - | ₹3.54L Cr | 0.31% | 7.75% | |
| HDFC Corporate Bond Fund - Growth Option - Direct Plan | HDFC Mutual Fund | - | ₹27.67L Cr | 0.36% | 7.72% | |
| SBI Corporate Bond Fund - Direct Plan - Growth | SBI Mutual Fund | - | ₹17.12L Cr | 0.36% | 7.69% |
Conservative Hybrid Fund
30% • ₹3,000 (0 of 6 selected)
| Select | Fund Name | AMC | Monthly SIP | AUM | Expense | 3Y Return |
|---|---|---|---|---|---|---|
| Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth | PPFAS Mutual Fund | - | ₹2.20L Cr | 0.34% | 11.18% | |
| Kotak Debt Hybrid - Growth - Direct | Kotak Mahindra Mutual Fund | - | ₹1.20L Cr | 0.48% | 10.87% | |
| ICICI Prudential Regular Savings Fund - Direct Plan - Growth | ICICI Prudential Mutual Fund | - | ₹76.63K Cr | 0.98% | 10.60% | |
| DSP Regular Savings Fund - Direct Plan - Growth | DSP Mutual Fund | - | ₹2.38K Cr | 0.50% | 10.21% | |
| SBI Conservative Hybrid Fund - Direct Plan - Growth | SBI Mutual Fund | - | ₹1.19L Cr | 1.05% | 9.98% | |
| HSBC Conservative Hybrid Fund - Direct Growth | HSBC Mutual Fund | - | ₹2.44K Cr | 1.23% | 9.91% |
Banking and PSU Fund
25% • ₹2,500 (0 of 3 selected)
| Select | Fund Name | AMC | Monthly SIP | AUM | Expense | 3Y Return |
|---|---|---|---|---|---|---|
| LIC MF Children's Fund-Direct Plan-Growth | LIC Mutual Fund | - | ₹111.36 Cr | 1.63% | 9.94% | |
| ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth | ICICI Prudential Mutual Fund | - | ₹7.26L Cr | 0.39% | 7.81% | |
| Kotak Banking and PSU Debt Direct - Growth | Kotak Mahindra Mutual Fund | - | ₹3.64L Cr | 0.40% | 7.76% |
Index Funds
5% • ₹500 (0 of 3 selected)
| Select | Fund Name | AMC | Monthly SIP | AUM | Expense | 3Y Return |
|---|---|---|---|---|---|---|
| ICICI Prudential NASDAQ 100 Index Fund - Direct Plan - Growth | ICICI Prudential Mutual Fund | - | ₹1.68L Cr | 0.61% | 34.45% | |
| Motilal Oswal BSE Enhanced Value Index Fund-Direct plan | Motilal Oswal Mutual Fund | - | ₹68.61K Cr | 0.40% | 31.05% | |
| ICICI Prudential Nifty Auto Index Fund - Direct Plan - Growth | ICICI Prudential Mutual Fund | - | ₹9.13K Cr | 0.40% | 27.66% |
Why Choose This Strategy?
🎯
Goal-Aligned
Carefully designed allocation to match your financial goals and risk appetite.
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Expert Curated
Top performing funds selected based on historical performance and fund house reputation.
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Rebalancing
Periodic rebalancing recommendations to maintain optimal asset allocation.