One of my colleague want to invest 20 Lakhs for next 30 years. His current age is 30 years. And want monthly income through SWP after retirement. I planned customised MF basket for him. 1. ICICI Pru Bluechip- 3L 2. ⁠Quant Flexi Cap - 3L 3. ⁠Kotak Multicap - 2L 4. ⁠Tata Smallcap - 2L 5. ⁠MOSL Midcap - 3 L 6. ⁠Tata Nifty 150 midcap mo 50 - 4L 7. ⁠DSP nifty smallcap Q50- 3L After 30 years, 1st fund will be - 1.5 crore 2nd fund will be - 3.3 crore 3rd Fund will be - 1.71 crore 4th fund will be - 1.61 crore 5th Fund will be - 5.5 crore 6th Fund will be - 5.5 crore 7th Fund will be - 8.2 crore Total fund will be after 30 years 27.32 crore. After that he can withdrawal 4% yearly every month. Per month he can withdraw - 9.1 Lakhs for life time till alive. And can pass on the huge crores of money for their next gen. 20 Lakhs in 30 years >>>>>Turn 27.32 crore…. compunded Annual return is 17.8% per year only considered ….