u/Flashy_Leave_2536

We have recently received a lump sum of ~24 L from family and bonuses, and we are evaluating the best way to deploy it toward our long-term goals, including early retirement. Background: Current age 37, retirement target age 45, existing SIP 2.4L PM, current retirement corpus ~1.2CR. Retirement investment pending 85L. Child Goals are complete. We are considering the following:

• Deploy the lump sum in phased manner into our existing mutual funds (6-12 months via FD laddering)
• Invest in new funds using an STP approach from debt to equity
• Use the amount to partially prepay our home loan (least inclined given current market levels)

Risk Apetite – Moderate

Goal – Retirement

Horizon – 10 yrs

Allocation – lumpsum & %/amount split into your funds

We have recently received a lump sum of ~24 L from family and bonuses, and we are evaluating the best way to deploy it toward our long-term goals, including early retirement. Background: Current age 37, retirement target age 45, existing SIP 2.4L PM, current retirement corpus ~1.2CR We are considering the following:

• Deploy the lump sum in phased manner into our existing mutual funds (6-12 months via FD laddering)
• Invest in new funds using an STP approach from debt to equity
• Use the amount to partially prepay our home loan (least inclined given current market levels)

Risk Apetite – Moderate

Goal – Retirement

Horizon – 10 yrs

Allocation – lumpsum & %/amount split into your funds