Goa second home

Target 2030 · 4 years to go · Moderate bucket

₹28.40 L invested of ₹1.20 Cr

Projection · at current SIP

Actual Projected Target

−₹32 L

Projected shortfall at goal date · assuming 9% CAGR

Linked SIPs · ₹12,000/month combined

HDFC Balanced Advantage · Direct

Debit 5th · MFU mandate since 2021

₹8,000

ICICI Corporate Bond · Direct

Debit 5th · MFU mandate since 2021

₹4,000

MIA · rebalance idea

A ₹14k SIP bump closes the gap.

If you increase the HDFC Balanced SIP from ₹8k to ₹22k, the projection meets ₹1.20 Cr by Dec 2029 at the same 9% CAGR assumption. You'd need to free ~₹14k/month from somewhere — I can help you find it from your surplus cash flow.